<prompt> Human: I looked in the wiki, but didnt seem to find what I was looking for. I am looking at getting my first credit card, but I have heard is it better to have your credit and debit accounts in different banks. Is this true? Would it be harmful in any way to have savingsdebitcredit in the same bank? Thanks.  <response>: It doesnt matter that much. Typically whats important is to look at the specific terms and conditions interest rate, cash back on purchases, points, fees, etc. that makes sense for you; whether its at the same bank or different banks doesnt matter that much since all banks and credit unions are insured and regulated. There are some banks that will give you some small benefits for having multiple accounts with them, but those are usually negligible and its up to you to figure out if your bank does that and if you care enough about those benefits to go for them. 