This is somewhat funny to read because if you were a JPM(chase) Private Bank client you wouldn't have any of these issues (zelle works, you can deposit checks, pull from any/all ATMs).
yeah agree -- it seems like a mistake to use retail banking for real business amounts of money and transactions. I suspect that young adults focused on a fast-moving tech world really did not live the hard lessons of the past with business restrictions. On the one hand, it is a new world now (no one would have come up with the kind of money referenced here, with Mom and Pop business pace); on the other hand, maybe you really are trying to load a trucking worth of transactions onto the top of your used Honda Accord, so to speak.
Chase Private Client refunds ATM fees too. It's especially nice if you live in a location where a substantial fraction of Chase ATMs and branches are shuttered!