Comment by QuiEgo

I highly recommend the Fidelity CMA (Cash Management Account), it behaves mostly like a checking account but it autosweeps into SPAXX so you get the best of both worlds - your money is instantly accessible but you get the earnings of a money market account. I no longer bother with a HYSA.

It's not a bank account so you will still need a backup checking account if you need Zelle or similar, and it has no way to deposit cash - but the CMA has direct deposit, ACH transfer, debit card access, and check writing, so 95% of the time it does all you need.