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-managemen

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-management-account 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.