Excluding the messiness of accounts open just to make international transfers/spending easy, we have 2 checking accounts.
1. Salaries paid into the account, and all bills (including credit card) paid out of the account. Transfers out to savings/investment accounts after the salary hits. Salary comes in around the 25th, and all bills go out on the 1st. After everything is paid, we leave £100 in the acct for any bills that are automatically deducted on other days of the month/just in case we forgot about anything.
2. Cash withdrawal account. Again, we typically start the month with £100 in here. If it's a cash light account, the top up at the start of the next month is small. If it's a cash heavy month, we go into our overdraft, which is capped at £500, but we pay no interest on the £250. If we are withdrawaling a *lot* of cash and approaching the £250 free overdraft limit, we'll do a mid-month transfer to flatten out the account. Really, we could leave this acct at £0 at month end, because we rarely use the whole £250 overdraft, let alone another £100, but I just like having a small amount of actual cash there.
We don't actively use either account much. Last month, I think we took £20 out of the cash acct? Primarily, we spend on a cash back credit card, and just pay it off each month, meaning our only activity is a manual transfer or two at the start of the month to level things back at £100.
Our savings accounts are a little more elaborate in order to take maximum advantage of various high interest and/or tax sheltered savings offers, but again, most things are automatic, and we just have one "short term savings" account things actively flow into and out of for holidays, home repairs, etc.