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First rule: Never use your day to day bank account!!
Is that simple, if your really need that, open one in any neobank, there are plenty. And, have there just the amount you are able to transfer. If you need more, send some more from another account, and when you receive more fiat in that account, just move that to another place, or just spend it with the debit/credit card they offer.
But, I do have to pass another KYC Of course... but the key is to use this bank as a temporal shitcoin (the fiat) deposit.
This same rule can be applied to your Bitcoin wallet. Don't use the one with all your savings. Use one with onchain, LN, Liquid, whatever you need, but only with the amount you need.
So, as @darthcoin says:
  1. One fiat account/btc wallet for transfers. This acts like your new intermediary.
  2. Another fiat account/btc wallet as your main. The one with your savings.
  3. Optional. Another fiat account/btc wallet as your day to day. You can use the 1, but is risky.