I have a checking account, Roth IRA, and Individual brokerage account with Schwab. The rest of my money is in an HYSA in Ally. Is there any reason for me to keep money in the Schwab checking account? I originally opened the account for withdrawal while abroad but now I just pay bills/get paychecks deposited to it and sometimes move money around between savings and checking. It’s kind of a hassle to make sure the checking has enough money and I’m wondering if I should move that money to Ally and pay bills/get paychecks to that one with the bonus that all of my cash is together and would make it easier for tracking savings goals (since ally has buckets).
Any reason to keep money in the checking account? I would keep it open to move money for traveling and I think it’s linked to the individual brokerage anyways so I’d have to close both.
I personally keep a checking account open because there’s a limit to how many times I can transfer money out of my savings (I use Apple Pay a lot). To keep it easier I just make sure there’s always a minimum amount in there at all times so I don’t have to worry about there not being enough and transfer the rest to savings/other investments as needed.
I must be old-fashioned because I can’t imagine not having a checking account. And I didn’t even realize until this post that the Fed eased Reg D in 2020 and maybe now your savings account has no transaction limit. Still I think there’s value in having a checking account for daily business and a savings account for short-term excess.
How would you withdraw or deposit cash? It may not be something you do frequently, but I would personally never remove the option entirely.
Also if Regulation D ever comes back you’ll be limited to 6 transfers per month in your HYSA, which might not be enough for your direct deposits, transfers to brokerages, and paying bills.
It’s up to you if that’s easier for you. Nothing wrong with doing it that way.
Personally, my system is to keep the following breakdown:
* 2 pay period’s worth of money in checking.
* A few month’s worth of money in savings.
* A few months worth of money in I-bonds.
* Everything else gets invested.
Every time I get paid, I top the accounts off in the order they appear above (checking first, then savings, then I-bonds, then investments). **Since I never spend 2 pay period’s worth of money in 1 pay period, I never have to worry about how much money is in my checking account**.
Plus this way I don’t have to worry about penalties for withdrawing too often or anything like that. Also, I find it confusing to be paying bills from multiple accounts. It’s easier for me to keep them all straight if I know they’re all coming out of my checking account.
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