One of their other accounts. I don't know how it works else where, but it's not uncommon to have two, three, four or more. I think my dad at one point used 10 to segment his finances. Accounts normally don't cost anything, or very little.

Most people have at least two. One of their incoming paycheck and one for their debit card. Most have more.

I have a non-card account I get my salary deposited into.

I also have a separate savings account, and one for my cottage, both which get scheduled transfers from my "main" account.

When my debit account is low I transfer $100 or so. Allows me to have a sense of spending that cash gave me.