Personally, I will have 2 bank accounts. One will be my current checking account which has never failed me, and there is no need to change that bank. However, about $4,750,000 will be placed in a Swiss bank account for protection of my money. My checking account will have at most $250,000, and when it drops below $25,000 – I will add $225,000 to the account to bring it back to $250,000. Since I don’t carry my debit cards, all of my purchases are either a wire transfer, or a credit card purchase. Since I don’t have a Swiss bank account, I don’t know how these transfers will take place, but I am sure there is a little bit of complexity.