[ethbr0]

I'm a big fan of Fidelity's cash management account (CMA), mostly because I'm lazy and it strikes a good balance for me. https://www.fidelity.com/cash-management/faqs-cash-managemen...

+ Excellent wire and ACH support

+ Ability to invest in money market, treasury, or bonds directly from the account. And able to get someone on the phone to schedule recurring actions (e.g. ladders)

+ Decent "checking"-like features (ATM cash withdrawal with fee reimbursement, autopay, check deposit)

Essentially the only things it can't do are (1) Zelle & (2) deposit cash.

If those aren't needs you have, don't think there's a better solution with less effort.

[TMWNN]

Vanguard unfortunately got rid of its similar Advantage offering a few years ago. I hate now having two separate accounts at Vanguard—Cash Plus (essentially a high-yield savings account) and brokerage with sweep—yet neither offering checkwriting, when with Advantage I had sweep (with very competitive return) and checkwriting in one place.