I have a question for folks that use Schwab with as both a brokerage account and bank account….

Did you create a separate bank account from your brokerage/trading account, or did you just have one account that has both?

While I like the simplicity of just one account, I’m thinking of getting a standalone checking account with ATM with a very low cash balance…simply because if I lose my ATM card or it gets hacked, some perb doesn’t end up draining my assets in my brokerage…

Simultaneously, I’m thinking of disabling checkwriting/atm/and money tranfers from by brokerage too…Thoughts, or am I just being paranoid here?