Would you just be splitting the payroll across two banks such that if either bank failed, you’d miss payroll for some employees? Or doubling payroll reserves s

Would you just be splitting the payroll across two banks such that if either bank failed, you’d miss payroll for some employees? Or doubling payroll reserves such that either bank could fail and you’d still make payroll? I suspect there’s no real barrier to doing the first, but also not much benefit.