@HR63, why three accounts? I just have a Schwab checking account and the debit card. I use the bill pay option for virtually all of my monthly bills and use the debit card for almost all other purchases. About the only checks I write are to my friend's wine shop, just to save him the 2-3% fee for taking a card.
I do have a couple of other places that I transfer to and from; these are set up at Schwab as well. The setup takes a couple of days because they actually ACH a few pennies to make sure the transfer path is working, asking me to independently check the accounts to see the transfer. Then, when I actually make a transfer, I get an immediate email confirming it and telling me to contact them immediately if there is an issue. It all seems pretty safe to me.
With Schwab's blanket protection against all fraudulent activity, I don't worry a bit about this.