No, not that I am aware of. Just don't risk your main bank account if you are not ready to go bankless.
That's not me saying that becoming actively bankless shouldn't be anybody's goal here. Personally I am working hard at it.
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Gotcha. Any bank account/app that is used will have your real name (I know you know this) so this is why I’m confused. Are you simply saying to just use one that isn’t your main one? What I’m saying is that with your point, even if you went “bankless” with your main bank then you can just open an account somewhere else
Yes, you can always open a new one. But frozen money has opporrunity costs and a long established bank relationship also maybe an asset if you depend on it.
Not necessarily, if you have too many marks on your Chexsystems credit report you'll get denied for new accounts.