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Keep in mind that E-Trade Brokerage and E-Trade Bank are separate (but linked) entities. If you put money in E-Trade Brokerage, you will not be able to access it through an E-Trade Bank ATM.

At a brokerage your spare money goes in a Money Market Mutual Fund (MMMF). At a bank your money can go in an Insured Money Market Deposit Account (MMDA or IMMA).

I suggest asking at the Online Banking board for more information.
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