But Do NOT use debit cards.
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BTTT
Had a co-worker a few years ago lose ~$15k that way. I believe it was all eventually fixed, but it took many, many months.
Hubby was also just advised by our bank to not have our accounts linked. Previously, banks recommended you link your savings and checking accounts together in case of over draft and to make transfers easier. Or if you had multiple accounts, link them together to make them easier for you to track, funds could roll easily from one to another, etc. Now, they’re recommending you not have any accounts linked together, so if one account is compromised, the thief can’t drain them all. Lowers your risk, but the bank’s as well.