<prompt> Human: I am not familiar with Schwab in the slightest I bank with Chase however my friend issued me a referral for 100 for opening and investor checking account coupled with a brokerage account.I have 0 knowledge about brokerage accounts but I do hope to fill the investor checking here and there as a backupemergency use account. Any insight or advice is much appreciated.Edit: Thanks everyone in the thread for your help, you all collectively gave me the info I needed.  <response>: You dont have to use the brokerage account at all if you dont want to. The investor checking account is very good, I use it as my primary checking account 