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I'd recommend a PNC checking account. Solves a lot of issues related to storing value without counterparty risk.

Ally is a great option, and Schwab too. Both are neobanks that have very limited fees. Schwab even rebates all ATM fees globally and has three free wire transfers per quarter. [1]

And uh, both are FDIC members.

[1] https://www.nerdwallet.com/reviews/banking/charles-schwab-ba...

What if you’re not a US citizen?

Pretty much all developed countries have similar mechanisms.

https://en.wikipedia.org/wiki/Deposit_insurance

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