An online-only bank (with ATM support of course) that lets you have as many "virtual" accounts as you want, and lets you set up programmatic rules for transferring money in between accounts on certain days/times, or triggered by events ("transfer $100 from B to A if account A goes below $100, and notify me by email"; "on overdraft from A, withdraw from B instead"). Then have a debit card that you can use to charge to…
Anecdotally, I do much of what you describe and such a system is nearly my most valuable financial asset.