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https://help.bungie.net/hc/en-us/articles/360048716612-Bungie-net-Profile-Account-Creation-Linking-and-Recovery
Cross Save is intended to be a one-time action, but we realize there may be cases in which you want to visit the characters you left behind. Once Cross Save has been disabled, you will have access to your original characters on each platform. There is a 90-day wait to re-enable the feature. This policy exists to discourage activity like account recoveries by other players.
For those interested in removing Cross Save from their account, click here[www.bungie.net] and click the “View Setup” button. On the next page, players will be shown their Cross Save setup.
To deactivate Cross Save, click the “Deactivate Cross Save” button located at the bottom of the page. Players must authenticate all accounts before they can deactivate Cross Save. Doing so will result in an unskippable 90-day deactivation period for all accounts previously involved in the Cross Save setup.
- If players disable their Cross Save for any reason they will have to wait out the 90-day lockout before they can enable Cross Save again. There are no exceptions to this policy.
- Players who purchase Silver (or have Silver added to their account) cannot disable Cross Save until 90 days after the Silver was purchased or added.
https://help.bungie.net/hc/en-us/articles/360049498031-Destiny-2-Cross-Save-Guide
Please Note: Only one of each type of platform account may be added to a Bungie net profile. A Bungie net profile may have up to one PSN ID, one Xbox Gamertag, one Stadia ID, one Twitch ID, one Epic Games Store ID, AND one Steam Account linked, but cannot have multiples of any. Furthermore, PlayStation Network accounts may require more details, such as a creation of a PSN ID, before the account may be linked.
https://help.bungie.net/hc/en-us/articles/360048716612-Bungie-net-Profile-Account-Creation-Linking-and-Recovery