No. The general rule of thumb from the world of debtor-creditor law is whatever you have direct access to, your debtors and creditors have access to.
So, if you have a bank account, your creditors have access to that. If you have a credit card, your creditors have access to that. If you have a checking account, your creditors have access to that. If you have a savings account, your creditors have access to that.

If you