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by ye-olde-sysrq 1052 days ago
I recommend banking with a brokerage whose primary service is the brokerage product. I personally use Schwab. They'll provide banking services in addition to the brokerage services, but where they really make money is in the brokerage side, via net interest on funds from cash sweep, PFOF, running their own ETFs and collecting the management expenses, etc. They care about having good banking services because they want you to use their brokerage services, but don't care about pumping numbers specifically for the banking product, which WF seems to be incentivized to do seeing as they keep doing it despite fines.

For schwab in particular, their app is pretty good and their phone support is excellent - native english speakers who have the power to actually fix problems. I accidentally deposited post-tax money into a pre-tax retirement account an expected it to be a huge PITA to get it fixed, but the support guy fixed it in a single short phone call for me. Also have had great support regarding wiring funds both in and out, e.g. for receiving proceeds of a stock sale from shareworks and paying for a house.