If I have my own checking account, but I also have a joint checking - are both my accounts at risk if I start depositing money orders into my checking account?

I have an extra account that I don't care if I lose - but I can't lose my joint checking (wife will be PISSED!). Any DPs on what happens if you have multiple accounts?

Maybe it's worth it for me to open a BoA account and just deposit MOs there.