@azula Again, going debit card free was only a suggestion for your main account where you get your salary or where your main corpus resides.
You can have debit card, UPI, NetBanking and whatever else on a separate expenditure account. Just keep funding this account from your main account each month for your expenses.
@nol It is standard, Yes. Just disable the debit card for the bank account where most of your money is. Put some money each month into another account for your expenses and use the debit card from this account.
@rski Haven't faced anything except point 6 and that too was taken care of by calling the bank with no liability to me. 3 accounts are not much to handle for any CA. There are people with 10 to 15 accounts and their CAs take care of it. Of course your CA is taking care of it too.
@quittercheckusa Investment account is a bank account used to route investments or receive investment income. This is the account you provide to your MF.
It is normally tagged to your demat account so all dividends are credited to that account. One important part is that the money "does not belong to you" so you automatically reinvest rather than mixing with normal income. Sorts of a MF dividend reinvestment plan.
@rski Good for you. By any chance are all of you bank email accounts on Gmail? If so then better move it to your own domain address & a free Zoho account for upto 5 ids. You'll never get back your Google IDs for whatever reason.