Similar, except we use a different bank entirely for overseas/safety accounts. Transfer money from fidelity --> overseas account when needed, and we never carry the cards for the Fidelity CMA. That way if I'm held at gunpoint there's nothing on me that indicates the existence of another account to withdraw from. Just the USAA accounts with <$1k in them.
That said, I don't actually have a fear of the fidelity accounts getting accessed as a function of my CMA being breached, but we already had the USAA accounts, so using them in this manner was simple.