Say you have laddered CD's maturing at different times, and you want the best rate in effect when it matures. I can see how you could easily have CD's at three or four online banks since there's always one running a promotion.
From a security standpoint, how many is too many?
Are there any here that take the time and effort managing CD's at a few different online banks chasing the best yield? What has your experience been and how do you manage the different usernames and passwords?