Is your sponsor not certifying your maintenance? If they do you don't need to worry about bank statements. Anyway, as I see, there's nothing stopping you from using 3 accounts as long as you provide evidence in the right format.
guidance which can be found on gov.uk.
172. We will not award points for maintenance where the funds you rely on to meet the
maintenance requirement are held in a financial institution with which the Home Office is
unable to make satisfactory verification checks. A list of financial institutions which do not
satisfactorily verify financial statements can be found in Appendix P of the Immigration
Rules. Whether the financial institution in which you hold your funds appears on this list
will be considered using the list in force on the date of your application.
Documents we require as evidence of your sponsor certifying your maintenance
173. If your sponsor certifies maintenance, this must be confirmed on your Certificate of
174. Only A-rated (Premium), A-rated (SME+) or A-rated sponsors can certify your
Documents we require as evidence of personal savings
175. If you want to be awarded 10 points because you have personal savings of £945, that
have been held for a consecutive 90 day period ending no more than 31 days before your
application, you must provide one of the following types of specified evidence.
176. Please note that if you are submitting your documents after the date of your application,
they must show that you had the necessary funds for a 90 day period before the date you
applied online, not just 90 days before the date you submit your documents. This applies
regardless of whether you submit your documents by post or courier, or at a Premium
Service Centre, after applying online.
177. The evidence used to support personal savings for at least a consecutive 90 day period
must be original, and issued by an authorised official of that organisation.
178. Evidence must be in the form of cash funds held in an account (this includes saving
accounts and current accounts even when notice must be given). Other accounts or
financial instruments such as shares, bonds, overdrafts, credit cards, pension funds etc,
are not acceptable, regardless of notice period.
179. We will not consider money you earned during a time that you were in breach of the UK’s
immigration laws as evidence of maintenance funds. For example, earnings made from
UK employment will only be considered if you had leave to enter or remain in the UK at the
time they were earned, and in a category which permitted you to take employment.
180. If you are providing evidence of maintenance from a single account, we will always assess
the funds available to you from the closing balance given on the document provided as
181. Where 2 or more pieces of evidence from a single account are submitted (for example 2
consecutive bank statements), we will assess the funds available to you from the closing
balance of the most recent document. Where evidence from 2 or more accounts is
submitted, we will assess the funds available to you using:
• the most recent closing balance of one account, plus
• any additional money available to you on the date of that closing balance, for
which you have provided the required evidence.
We will always use the closing balance date from the account that most favours you.
Only the following specified documents will be accepted as evidence of this requirement:
i. Personal bank or building society statements covering a consecutive 90 day period:
The most recent statement must be dated no earlier than 31 days before the date of the
The personal bank or building society statements should clearly show:
• your name; and
• your account number; and
• the date of the statement; and
• the financial institution’s name and logo; and
• any transactions during the 90 day period; and
• that there have been enough funds in your account throughout the period (The
balance must always be at least £945 covering the 90 day period before the date of
application ending no more than 31 days before the date of application).
All statements must be on the bank’s stationery, unless you are submitting
Ad hoc bank statements printed on the bank’s letterhead/stationery are acceptable as evidence
(This excludes mini-statements from ATMs).
If you wish to submit electronic bank statements, these must contain all of the details
listed above. In addition, you will need to provide either:
• a supporting letter from your bank, on company headed paper, confirming the
authenticity of the statements; or
• an electronic bank statement bearing the official stamp of the bank in question. This
stamp should appear on every page of the statement.
We will not accept statements which show the balance in the account on a particular day,
as these documents do not show that you hold enough funds for the full period needed.
Don't rely completely on my answers..pls check relevant UKVI sources