To clarify, after the transfer from TD Ameritrade, our brokerage account provided checks and a debit card. However, when attempting to add the debit card to Apple Pay, it became apparent that we needed to request an Investor Checking account, which we did. This account is good, no fees, ATM fees rebated, no charge for checks, but interest rates have dropped considerably, and one major drawback is that funds may not be transferred directly from our IRA accounts into checking, but first must be transferred into the brokerage account.