Sorry, I posted a reply prematurely. Trying again...

Fred wrote:

The account where my cash is is never visible
to anyone. All they can ever see is the transaction
account which never has much of a float in it,

Thanks for that, but I'm not sure I'm with you. Is the invisible account
not online? If it is, how did you render it invisible? I'll understand if
it's a technique you'd prefer not to share.