If you have that kind of money in cash you pay someone to do that for you. If you want access to your money you don't juggle credentials, you call your banker a

If you have that kind of money in cash you pay someone to do that for you. If you want access to your money you don't juggle credentials, you call your banker and ask. Actually even if you don't have millions you can use sweep accounts that automatically spread money across multiple bank accounts. Fidelity has one that anyone can use.