+1 to the advice to have different accounts with different banks. I've done this for a bit over 10 years now: checking account at one bank, savings at a differe

+1 to the advice to have different accounts with different banks. I've done this for a bit over 10 years now: checking account at one bank, savings at a different bank, credit card at yet another different bank, yet another credit card at yet another different bank, joint checking account with spouse at yet another different bank ... My spouse did run into some nonsense some years ago due to her checking and savings accounts being at the same bank and automatically linked and mixed-up. Banks are always offering you super convenient awesome features with "protection" and "connection" and just PLEASE NO - that's how one mistake, that was that bank's in the first place, takes down all your available funds. You'll probably get most back, eventually, but do you really want to live with that for some weeks/months ...