[WorldMaker]

Traditional banks have almost always had "high fee, no yield" account types that you can sign up for where you pay high fees and get a guarantee of high liquidity in exchange. These account types used to be more strongly regulated (to insure this isn't just the bank advertising one thing and doing another) for banks classified as "Credit Unions" but that hasn't been the case in decades. (But for some decades it used to one of the pros specifically for Credit Unions because the high fees doubled as Credit Union dues, in turn limiting membership and overall risk of bank runs.)

Generally, advice is to not use high fee/low yield accounts because you lose money on them (monthly fees means that the more months you store your money in your account the less money you have each month, that's not everyone's preferred "1:1" storage).

Of course, you are still relying on (what little remains of) regulation and the FDIC that a bank takes your high fees and does the right thing with your money and the right prioritization in a run-like environment that they've promised to do.