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Having a separate bank account for business/investing, but not a “business account?”
When I was younger I had a problem with Washington Mutual.  Someone had deposited a check in to my account then ran my account negative with a "dupe" of my debit card.  WaMu tied up my account for three months while they investigated because it wasn't simply a debit card fraud issue, this was check fraud (so they claimed).  At the time all the money I had in the world was in that account and the ordeal was extremely disruptive to my life.  Since the, I never spend on my debit card(s) and I keep more than one checking account to disperse the risk and avoid disruption in the event anything ever happens again. Now one of the accounts contains just enough money (plus a small buffer) to pay my general monthly expenses and the other is my actual checking account.   There's no harm in having more than one checking account and if you think it will enhance your finances, do it. Though, there's no reason to get a business account unless you've actually formed a business.