with the virtual aspect-when you make a withdrawal or transfer from the (for lack of a better term) 'base account' can you make a notation in the individual virtual of what the transfer was for, and then at a later date do a printout on each of the virtuals?
i ask b/c i use the same principle but w/ individual separate accounts-
income gets direct deposited to checking,
checking has set transfer dates to individual accounts (xmas, short-term savings, long term savings, and a 'reserve' which is 1/12th of my annual expenses for property taxes, insurances paid annually/bi-annually, lawn/pest service, hvac service contract, yearly propane, sirius renewal, car registration). checking is used to pay utilities and household expenses (though i use the same credit unions credit card to pay most for the points then transfer the amount from checking at the end of the month). the only manual transfer i have is at the beginning of the month if i have anything leftover from the household budget for the prior month it goes into a separate 'household rollover' account for those months i have additional expenses. if i need to transfer something from one of those individual accounts i can note it in the transfer details so periodically i can pull up the history of say 'reserve' and see what it's been spent on so far/if an expense has increased such that i need to tweak the budget.
if the virtual allowed this kind of detail i could see the advantage to it, esp. if the banking institution has tiered savings such that maintaining a higher single balance resulted in higher interest (though interest these days is pitiful).