to the extent possible, it may make sense to just have multiple banks/accounts anyway. i use a big megacorp bank, my wife has money at a small local bank, we h

to the extent possible, it may make sense to just have multiple banks/accounts anyway. i use a big megacorp bank, my wife has money at a small local bank, we have other money in some online accounts. most stuff is handled day to day via one main account, but I've had cards suspended out of the blue in the past, and having 'all eggs in one basket' seems to be what often bites a lot of people when something causes a bank to freeze/suspend an account.