Ideally, a single savings bank account is all that you need.
Bank lockers aren’t entirely risk-free as there have been instances of bank lockers being robbed.
Online banking is safe as long as you are using it in a secure manner, otherwise you could be a victim of convenience.
Investing is different from saving because it involves a greater level of risk.
With bank deposit rates losing sheen, corporate fixed deposits and non-convertible debentures are finding more favour.