Do we have enough banks?

And by "we", I mean, "our family".

1. Big Pharma Federal Credit Union
2. Charter Eins
3. Manhattan
4. Federal Polis (little bit of a cheat here, since it's chess club)

That's right, 4 banks, 6 (at least) checking accounts.

What's wrong with this picture? Can anyone say, "consolidation"?