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My advice, have accounts at minimum 2 banks at all times. Doubtful you will lose money, but you can lose access to your funds\paying bills for a short time, plus any bank, at any time can choose not to do business with you.


There’s a liquidity angle, but there are other angles, too. A bank owes no duty to, and thus cannot commit negligence against a non-customer.

How many bank accounts you want depends on you, but two seems awfully few to me.




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