I assume by 'in your bank account' you mean liquid? It really doesn't make sense to have more than the money you use between deposit periods (plus a reasonable cushion) in a checking account. I keep $1,000 in my savings so it's not empty, but I never use the account.

I keep 200% of my average spend between deposit periods in checking and move the rest to a 'holding' account that's a money market account (higher interest). If I need to contribute to my IRA, pay real estate taxes, make a large purchase, etc. I pull from here. I'll also use this money to make some investments that I consider liquid (i.e. have Apple now, just sold Tesla).

There's more to it, but this system works well for me. I had an issue when I first got married because my wife is a bit more of a...liberal spender than I am. I have it set to always payoff my credit card statement balance every month and was surprised a couple of times how somebody could reasonably spend that much in a short period of time. But then again, this is coming from a guy that drives a Honda Civic, spends a few hundred a month in food, exclusively wears ~$17 jeans, and loves $3.77 Costco lunches that include a slice of pizza, hot dog and a drink (awesome, right?).