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Credit score absolutely no, IRS probably not, honestly totally happy to finance nerd out with you in PMs/DMs/text. If they were all checkings there would be more potential for credit score impact but honestly that would depend more on the account and tied functionality (like if there was a tied line of credit to the account(s).) there is also a separate system banks use to rate depositors (much like a credit score but for - well, deposits instead) however maintaining multiple accounts shouldn’t impact that negatively.