Lately, I've been looking into putting my emergency fund into a savings account but I have no idea where to begin or test the waters simply because of my status. I'm not even sure if they'd accept it. This isn't really quite relevant but for example, Wells Fargo gave me issues when I worked with them. Long story short, I lost a bit of time and money.
Has anyone looked into investing? Is it any different compared to applying for CCs and the like? I want to look into Schwab or Betterment for example. Put a good amount of money that's collecting dust from my CC, and have it at least grow a little but I can't rely on the monthly payments because of our situation, I'm a contract worker.
For emergency funds, I would put them into an online saving with a relatively good interest rate (Ally, Discover, Capital One)
If you're looking to invest, you can try some brokerage account (Vanguard, Schwab, Fidelity). The thing you have to consider is your risk tolerance. Remember high reward comes with high risk. You can look at investing in some equities which will give you a higher return. Another thing to keep in mind is that you will have to pay capital gains taxes when you sell your investment and the tax rate depends on the length of time you kept the investment. There are a lot of options at these brokerages, it really just depends on how long your looking to invest and your risk tolerance.
I personally have accounts at Ally and Vanguard, neither gave me any issue regarding status.