u/CabinetWhich1609

I currently use both Charles Schwab and a local credit union for my banking.

At Schwab, I have a Roth IRA, Brokerage account, Investor Checking account

At the credit union, I have a standard checking and savings account.

I’m trying to figure out the best way to set up an emergency fund at Schwab. Would it make sense to keep it in a money market fund within my brokerage account, or is there a better option?

I’m also considering closing my credit union accounts and using the Schwab Investor Checking account as my primary checking/debit account. Has anyone done this, and would you recommend it?

One other question: Is there a way to link the Investor Checking account to my emergency fund so that funds are automatically transferred if I overdraft the account?

For context:

I will make around 65k yr but the job is one of those trainee/rotational programs that can go anywhere from 6mo-2yrs. Most likely will be moved too a higher paying role after if I do well.

My student loans have a 6mo grace period so I wouldn’t have to make payments till around November.

Ive heard that its important to have an emergency fund with around 6 months of expenses in a HYSA.

What should I prioritize? Maybe some other things?

I have some investments with Charles Schwab, do they offer a HYSA too?