A good strategy is not to depend on a single bank or account. At least in Europe it's fairly easy to find banks offering accounts with no maintenance/transacti

A good strategy is not to depend on a single bank or account. At least in Europe it's fairly easy to find banks offering accounts with no maintenance/transactions costs , just open two accounts at two different banks, keep the same level of cash in both and if something happens you don´t have to go on a diet of canned beans waiting for the compromised account to be restored. (Then again, some might argue that now you have twice the chance of being targeted by a scammer).