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Sounds like for personal use, and if you can afford it, it's much easier to have your funds spread over a number of accounts (e.g. have a main account, a second account at a different bank with at least enough money for expenses until you can withdraw from a savings account, and a savings account at a third bank).

And a bit of cash in case the ATMs all go down.

That's the standard opsec issue. People mess up. Positive pay exists to make that "mess up" less painful.

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