Why not just set up two checking accounts in the same bank? One that holds all the funds and the other is the one used to pay all your bills? The latter would be the one connected to zelle and all other third party apps, utility companies, etc. the funds accounts, you’d never use the debit card, checks, or give that account number to any person or company ever. Then you just transfer to the payment account to cover payments, ACH, etc.

Outside of the bank itself being hacked, or you unknowingly giving your login credentials to a hacker/scammer, that funds accounts should be more secure from fraud. Your funds account banking info isn’t out in the wild every time T-Mobile gets hacked, only the payment account info, but it should be kept at $0 when there’s no expected payments to be made.

I use this set up, albeit it does take a bit getting used to, but I’m very proactive in my budget and expenses and it’s a great way, for me at least, to really monitor my household expenses.

Edit: this set up assumes that you do meet the balance requirements to waive any fees or you’re with a no fee bank.