It's pretty simple to do a hot/cold account setup at most banks. I've got a checking account which is unlinked to all other accounts and I try to keep it at a $

It's pretty simple to do a hot/cold account setup at most banks. I've got a checking account which is unlinked to all other accounts and I try to keep it at a $0 balance. The online banking site makes it easy to transfer money into and out of that account from the accounts I keep money in. It's a little more work to stay on top of transferring out money when it gets deposited and putting it in when I want to spend it, but it gives me a bit more piece of mind when giving out routing/account numbers.