<prompt> Human: I have seen a few recommendations for the Charles Schwab High Yield checking account on this sub, but no one has talked about the fact that they require you to sign up for a brokerage account as well.Does anyone have experience with this? Is it a pain in the ass to have a brokerage account that you never use? Are there any fees you have to pay for inactivity?  <response>: I use the checking account and just ignore the brokerage part. No fees or anything so its fine. 