This is probably worth considering in general, but dealing with financial lockouts on the road is a particular kind of dumpster fire.

TL:DR: I deposited a check and things went weird (not an NSF scenario). My bank got spooked and locked not just that one account but all of my access for two weeks.

I scrambled to open new accounts elsewhere and move direct deposits over. Soon (like 12 hours) after completion my bank said “oopsie!” and restored my access to the accounts this morning. Having pre-existing accounts at other locations would have been stressful because one institution could not bogart my funds.