Online money management/bankroll

[AZK]

This is a spark off another thread, I used to play online to kill time rather than seriously, so I never really worried about money on site. I have since become much more serious. After getting my account locked with a good portion of my total roll on site (it was later reopened), I've realized the need to manage my money better. I primarily a NL player, so we go buy buyins rather than 300xBB or whatever.

What do most of you do to prevent having a considerable amount of money on one site? Keep 5 buyins on site and the rest in neteller? Multiple sites? Off neteller and in an actual bank... etc...

With live poker, it was always easy: sock drawer or casino box, online it's a little harder for me. Thanks.