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Or just plain Schwab One. Don't know about Zelle but ATMs and checks work just fine.

(Better than fine, in fact, in that they refund your ATM fees.)

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!

If you're a private bank client how much do you care about ATM fees?

Much more than you would think

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