It's not really like that at all. It's worthwhile having a backup account at an alternate bank (that's obviously not within the same banking group), for the sam

It's not really like that at all. It's worthwhile having a backup account at an alternate bank (that's obviously not within the same banking group), for the same reason we make backups of our data -- things happen. It's nice to know there's a second debit card and a chunk of change in another account should anything happen.