One or more Bank or Credit Unions do you use

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Before I married, I used the CIBC, and then after that, my husband and I got a joint account in the Credit Union, and although I opened an account there, I soon closed it because not having that much money, that was being used for when there was not enough in our joint account and I felt that I would not be able to save anything. I then put money in my CIBC account and that was all right, until we bought a car and the bank we dealt with was the Bank of Montreal, so I decided to open a US savings account. That went all right, until the balance went to zero. But I could not go to the CIBC, so later on I reopened my US savings account and a regular savings account at the Bank of Montreal. I also have an ING account, and have recently got a Bank of Montreal account since that is closes to the Mall and the line ups are not as long as at the CIBC. So do you have all your eggs in one basket, or do you distribute them among several banks or credit unions?