i have one bank account in hdfc.

Opening a checking and a savings account is something that most banks will offer and having the ability to transfer funds between accounts is always available. ShoreBank, the bank that I represent, offers a High Yield Online Savings Account with a competitive interest rate of 3.50% and $1 minimum balance. It has 24 hour online accessibility, allows for you to link up to 6 of your accounts for electronic transfer, and is FDIC insured. If you have any questions about this High Yield Online Savings Account please don't hesitate to ask, that's why I'm here!

hehe uhm very trusting

lol, I thought this was going to be about how many bank accounts we had? In answer to your question I have lets see, 4! But I only use one main account, I like to keep all my money under one account and just transfer the excessive amounts to savings accounts etc.

I have 12 accounts in 4 different banks. I try to diversify

Well using two accounts is indeed convenient. Think of a situation when you have a loan from one of the banks and you also have your business account there. Imagine you do not have money on your account and the bank is waiting for a transfer to cut the money, but you do not want the money to be cut. You can always ask your customer to transfer fund to another account and so you can avoid money-cutting.

In fact I use 3 accounts for my company: 2 normal (onshore) accounts and 1 offshore banking account from Jersey. It is quite convenient. My country's banking system is quite volatile and exchange rate often experiences large fluctuations. I keep significant amount of cash overseas and it is very easy to transfer them back if needed.

I use two banks. One national type bank and one local or regional type back.

That being said each bank has 4 accounts.