I don’t believe the eggs in one basket theory when it comes to this. I have savings and checking at one bank and have for several decades. Sure fraud can happen but not concerned about it. My debit card is not something I ever use for purchase. I’m not one of those dumbasses that gives companies access to my accounts to automatically withdrawal money for bills either

My password online gets changed annually or whenever a data breach could cause an issue and its 30 plus random characters and the password is only used for that account. Nobody has my PIN numbers or passwords or online over the phone bank password. My money is insured by government as well.

It also isn’t a joint account

But do whatever you think you need to do to sleep at night