And I do keep cash around but I'm not going to use it to pay the electric bill for examle. Thats where the direct deposit and online bill pay work. I have a checking account at both banks and have part of my pay going into each. If one bank account were to be non accessable for whatever reason both are setup with all the account numbers of the bills so I can pay them from either. This way i can use the cash to rent a hotel room or buy meals or whatever and then sign in on the web page and pay any of those long term bills as needed.