25살 직장인이라면 은행계좌 몇 개를 갖는 게 좋을까요? 💼

Other than making sure you’re under the FDIC insurance limits per account like the other comment states, there’s no right answer to a question like this. Just do what works best for you.

If you aren’t at the FDIC insurance limits there is no reason to have multiple banks.

One worn out leather wallet 

You should ask this question in the India specific personal finance sub

Depends how complicated are you finances.

I usually keep one for each revenue stream, to make accounting easier.

For stocks, I keep separate ones for different thesis I'm running, so not to confuse future analysis.

2 banks. One for business, one for personal, and fidelity for investment 

I have the same setup. Chase for day to day with very small savings in case I need cash ASAP. Ally with HYS where most my cash lives. Fidelity for investments. I do have a Robinhood account that I intend for options trading but not using it atm.

I’ve got a checking account that’s really just a relic, I use it for gambling and that’s it.

I have a savings account with another bank because they have a good interest rate, my direct deposit goes here and all of my bills are on autopay from here.

I have a brokerage account and Roth IRA with another bank because they had some promotional offers.

And then a 401k through work.

As a married person in their 30s, I have:

- main checking account
- joint checking account (to separate personal and household expenditure)
- post tax investment account
- pre tax investment account
- savings account with credit union (who require a banking history with them to access mortgages offered by them in the future)

.

I also maintain 5 credit cards (1 joint, 4 others) to separate by optional use case and insulate transactions from others
- example: i have one each for: automatic bill payments / online incidentals / one for in person incidentals / one for travel / fall back card (when one is being replaced) — I only carry a couple at a time.
- the reason being, if one gets fraudulent activity, I can more easily isolate the source and won’t have auto payments etc interrupted when the card is cancelled and a new one is issued. I never use my debit card either, as fraud protection is baked into credit cards vs. bank specific protections that are different on each debit card.

Fringe benefit being: credit reports with varied and deep history of maintaining credit.

My credit is locked down on every credit agency service to block all requests — various companies (*telecoms companies are extremely ‘good’ at this*) have repeatedly leaked all my information online to the point where fraud is inevitable at this point…

The banks/services I’ve chosen (for checking / investments) are always the biggest ones less liable to implode. Even if FICA insured, you still need to go thru a process to get your shit back, better if it doesn’t happen to begin with.

**I also wouldn’t detail a full list of specific institutions online where someone could potentially pair that with other information they know about you or could learn from a post history / same account name on other platforms…**
> they can easily do this with emails also, with so many platform data leaks where they collate various leaks and repost data dumps on the darkweb
- like:
- *what’s your spy name based on your birth day / month*
- *posted pictures of your first pet/car growing up*
- *where you’re from / born*
- *linkedin profile with your first job*

***you know… account security questions***
- speaking of which, I always encode my answers so even if someone knew these facts about me, they wouldn’t be able to answer the questions anyway.

I behave like everything I have online has been leaked; because it likely has or likely will be.

My only suggestion would be having an international bank for your emergency funds that could provide you money anywhere in the world, especially if you have to travel overseas for business or fun.

69 ideally.

I use 2 banks & 3 different brokerages. The reason is simply diversification / to protect myself incase I get locked out of one.

Happened years ago when I only had one bank account. Took a few days to resolve, immediately opened up accounts in many other places so I'd never experience that again. Never again. Wasn't even my fault, it got flagged for some stupid transaction

TLDR: Redundancy