It's well worth your time to have a second bank account with a small overdraft, just in case this sort of thing happens. It also helps in case something happens

It's well worth your time to have a second bank account with a small overdraft, just in case this sort of thing happens. It also helps in case something happens to the bank card you're given. Even on an institutional level, I've connected my hedge funds to secondary prime brokers just because there might be some outage, either IT or business level. Sometimes there's a PB team at some bank that's keen to get business this way.