I will have 3 main accounts for myself. Two of the accounts will be US accounts, and will be set to transfer to and from a Swiss account as necessary. My realty bank account, and my personal bank account will be from the same bank. Since FSP Realty owns the business account, and will have an EIN (Employer Identification Number), then that will be separate from Frank Pilone (with no EIN). This means each account can be fully protected with $250,000 each even though I am the authorized individual for the business account.
If I had a business, I will have 2 phones. One will be an iPhone, and the other will be a preferred Android phone. The Android will be my business line, and will handle for the app for the business application needs. The personal account will use the iPhone, and will transfer over when I acquire a new iPhone. This will be how I know which account I am using by which phone I am using.