Public service announcement: I have a saving/checking account at a bank I never use. I keep a few thousand in the account so no fees. I keep it just in case wells fargo gets hacked for a few days and I need money NOW.
The PSA is to move money every year on your birthday. If you forget and wait three years they send a letter asking if you are dead. Then you have to make a special trip and go in and prove you are who you say you are and you are still alive. They will not take your word about this, you need proof.
I do it around my birthday so I remember. First I have to hunt around and find the ATM card and remember my password. So it takes a day of planning before I go.
Bill D