Robinhood for checking/direct deposit/ATM access and small DIY investments, Wealthfront for retirement accounts and savings/emergency fund, Apple Card for payments. Beautiful interfaces, non-SMS 2FA on all, fantastic customer service. I do this and I can’t think of anything else I’d need. The only fee I pay here is Wealthfront’s 0.25% management fee, but I don’t mind since it’s such a great service.
Robinhood is a brokerage but they deposit uninvested balance into normal banks so they are FDIC insured and pay interest, and you get a physical MasterCard debit card. Used to be 1.8% but the coronavirus happened and now it's 0.3% :(
They use normal TOTP for 2FA so it'll work with whatever authentication software you use.
However they follow the modern tech trend of not having live tech support; you have to email them for support. But I've heard response times have gotten better recently.
I moved most of my money into RH for the interest, but still maintain Chase checking and credit card accounts. For sonething as important as banking, there's no substitute to having tons of physical locations with humans. For example I recently went to the bank to deposit tax refunds, which were not 'normal' checks. I don't think you can even deposit normal checks into RH. And I trust Chase's fraud protection systems more than RH.
