<prompt> Human: I am thinking about using Schwab checking for daily purchases and ATM withdrawal. Since debit card usually prone to getting fraud charges been there I was thinking using Brokerage account for Payroll Direct Deposit and then transfer whatever I need monthly and invest the rest. I feel like thats safe even if the checking gets compromised. What do you guys think?  <response>: I like the idea. I actually use Schwab as my main bank account now; while it doesnt have that many branches, they cover your ATM fees everywhere to compensate for it. 