Wells Fargo has checked those boxes for me, and never done me wrong, but they keep screwing over other people. Maybe I should take my money elsewhere.
They do have "branches" in larger cities, where you can deposit large checks, but they won't cash checks or give you money there.
The ATM card automatically refunds you for fees using any one else's bank, which is really nice. This means any ATM is your ATM. The Fidelity credit cards are okay, but they do charge an international transaction fee for currency exchange, which I think is 1% (better than most, but not 0). The website is nice, functional, and the same website for investments/401k/savings/credit cards, and they offer a fair amount of security (2FA) for it. Their phone support is pretty good.
I've only been banking at places that don't have physical branches for the last 15 or so years, and that has only made me happier. Then again, I don't need to interact with a teller on a regular basis.
The interest rates are not good at Fidelity though. So for long term savings, I bank with Ally, and use the websites to transfer money between them. Ally I'd also consider top notch.
For purchases I don't recommend using money in the bank any more (i.e. don't use a debit card). Use a credit card for better protection and pay the credit card from the cash management account. You don't have to get a credit card from the same place you bank. Fidelity has a BillPay feature to initiate payment from your account to the credit card, or you can give your credit card company the ACH account and routing numbers.
The only thing I find lacking is the occasional cash deposit. But you can just buy a money order and deposit that.
Also learning to use a brokerage account with cash management features has a steeper learning curve than a bank account, but the average HNer will have no difficulty.
I hear good things about tech federal and Stanford credit union (I think you need a Stanford connection).
Discover for savings for that 2% interest.
I’ve tried other online only banks, ally for instance. But discover is the only one I’ve found with no fees to order more checks, no fees for maintenance in general, and a pretty great customer support to boot. My only complaint is the slow transaction log. For instance when I pay my credit card, it takes almodt 3 days to show up.
It’s why I moved my checkings to Schwab instead. Almost the same benefits with no fees, no hassle.
I pay for everything with a rewards credit card, and use the ATM (or cash in general) maybe once or twice a year so ATM fees aren’t a concern for me.