Since flash memory cannot be overwritten, new data are updated in new area. If data are frequently updated, garbage collection which is achieved by erasing blocks, should be performed to reclaim new area. Hence, because the count of erase operations is limited due to characteristics of flash memory, every block should be evenly written and erased. However, if data with access locality are processed by cost benefit algorithm with separation of hot block ad cold block though the performance of processing is hight wear-leveling is not even. In this paper, we propose CB-MB (Cost Benefit between Multi Bank) algorithm in which hot data are allocated in one bank and cold data in another bank, and in which role of hot bank and cold bank is exchanged every period. CB-MB shows that its performance is 30% better than cost benefit algorithm with separation of cold block and hot block its wear-leveling is about a third of that in standard deviation.