Is it better to have both bank accounts for visa extension and daily expenses at the same bank or at different banks in Thailand?

The discussion revolves around whether expats in Thailand should maintain both a bank account for visa extension funds and another for daily expenses at the same bank or different banks. Many participants recommend keeping the accounts at separate banks to spread risk, as Thai banks only guarantee deposits up to 1 million baht in case of financial issues. Others find it more convenient to have both accounts within the same bank for ease of transactions and statements.