We keep Citizens as an after thought. If you drop in large amounts of cash, takes them forever to let you transfer to different bank.
From the 60s PSB was sold 5 times, finally to BOA. We continue to use them since every state has multiple locations. I pay Citizens mortgage with online banking with BOA, showing next business day.
Like you thought separate account for Florida house would be easy, not so much for us.
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Do not worry about things you can not change 
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