And it avoids keeping all your money at one bank just in case you are temporarily locked out or some other issue, you still can bank with the other until the issue is resolved.

I also keep a small secondary savings account with PenFed credit union and have a credit card with them, just in case I ever need some type of loan they do place a value on having an established relationship with them.

https://www.penfed.org/accounts/premium-online-savings