@ericakuhl89 Sorry, but your take couldn’t be more wrong if it tried to be.
Not a single bank fee incurred. Why do it manually in a spreadsheet when I can do it in the source where the money sits…
All of the accounts count towards my offset and I don’t pay bank fees for any of them. I have automatic transfers going where I need them and there’s no need to then jot all that down on a spreadsheet.