[JumpCrisscross]

> see value here and would opt for this were it offered to me by my bank

Fidelity has a Cash Management Account [1] that functions as a checking account as well as hold securities. (It also sweeps into FDIC-insured accounts overnight.) I find it useful for planning large expenses by e.g. buying a Treasury or other bond that matures around when that expense will be due, thereby earning a bit more yield while making the available cash actually represent unencumbered cash.

The UI isn't super modern, though. That may be worth giving up some of the securities features one will never use and the FDIC insurance.

[1] https://www.fidelity.com/cash-management/fidelity-cash-manag...

[jklein11]

Lol! That is one heck of a value proposition:

We can't really help you if we end up losing all of your money... but our page looks way better than the alternative!

[JumpCrisscross]

> our page looks way better than the alternative

They're built on Fidelity. Sweep will come. And there is value in being able to e.g. have an easy interface that says "I want this cash to be liquid around this date with about this confidence" and let the system work for you. Or designate cash as a rainy-day fund, or as buffer cash that can be invested in risky, marginable securities, et cetera.