I think everyone should have more than one checking account. DW and I have accounts at three different regional banks and two different local credit unions. They are separate from our investment accounts. All accounts are totally free including checks and they offer a variety of services. All banks/credit unions are bricks and mortar. We keep about two months' living expense in each bank/credit union.
Don't forget SS. DW has operated a home based business for several years. When she applied for SS in 2010, she was audited by SS. They called it a "random audit". She had to justify her self-employment earnings back to 1992. The SS auditor had all the IRS records. Fortunately, our records were in order. This was not a detail audit where we had to justify every item, but we did have to explain a few things. I was sort of proud that we had detailed IRS records and supporting documents back to 1992 (and beyond).
Matthew 6:34 (KJV)
Take therefore no thought for the morrow: for the morrow shall take thought for the things of itself. Sufficient unto the day is the evil thereof.