* Use 2 credit cards, alternate between them on a weekly basis
* keep as little money as possible in your checking account, keep a book balance of $100, transfer # from savings on a weekly basis to cover what is due.
* have at least 2 savings/MM accounts at 2 banks that are not the same bank as your checking account.
* Keep your investment portfolio in at least 2 accounts at 2 different companies
A long time ago before that was a thing and interest rates were non zero, my local credit union had automatic overdraft protection that drew from your savings account with no fees. So I would just keep the checking account balance at zero and draw from my savings for every check. Apparently at some point this triggered some automated check and I could no longer do this.
Regulation D only allows you to transfer money from your savings account to checking six times per month, but apparently that rule was suspended during COVID.
>keep as little money as possible in your checking account, keep a book balance of $100, transfer # from savings on a weekly basis to cover what is due.
I am not sure what the point of that is if they are in the same financial institution. Also most savings accounts pay shit for interest, and most checking accounts still pay shit but it is about double the amount of shit...