CVS
CVS HEALTH CORPORATION
stock NYSE

Schwab has everything on your list except early direct deposit. Also had international ATM fee reimbursement.
I've done extensive research on bank accounts and nothing really beats the brokerage banks (in this case Schwab, Fidelity, Etrade.) unless you need in person service or cash deposit. They all have virtually zero fees of any kind and unlimited worldwide atm reimbursement with their debit card that also has no foreign transaction fees. They also have great ACH limits and you can link a high amount of accounts.
For the differences: of the three, Schwab doesn't have free wires unless you have 100k in household assets with them. They don't pay interest on checking or have a high yield savings, but you can buy SWVXX which has higher yields than the Fidelity equivalent to make up for it not being automatic. Also of course Zelle.
Fidelity isn't actually a bank, and has trouble being linked to with plaid. Some financial services only work with plaid, like when I went to do a down payment on a mortgage that was time sensitive I had to link with plaid. And if you have any issues with their debit card you won't be dealing with Fidelity, but with a third party bank. They also have excessive hold times if you do an ACH pull of 7-10 business days, same for checks at times. For comparison, with Schwab I often have same day check availability. No Zelle. On the bright side they have free wires domestic and international, and they have good automatic interest in your "checking". They also have the best credit card offering, flat 2% back with no ftf,
Etrade has free wires, and it has a high yield savings you can link to with instant transfers, though they have the archaic 6 a month withdrawal limit still for some reason. They do also pay interest on your checking if you have more than $10k in your checking for some reason. They have Zelle. I think on paper they have the best offering, *but* I see way more complaints about their customer service (unlike Schwab which is world class, and Fidelity which is supposed to be really good too). They also seem to be sensitive to "fraud" which can be as simple as depositing to Etrade from a bank they don't know about. On the other hand Etrade does have a nice sign up bonus of like $300 or something for their checking.
I use Schwab as my primary, I have a separate High Yield savings (Lending Club, currently 4% with $250 monthly deposit), and I have Capital One which lets me deposit cash at any CVS, Walgreens, 7-11, Walmart, and maybe more, on top of course Capital One branches themselves. Added together it's more comprehensive than any single bank chain.

Of course, you'd need a small fortune to start with, but one great way to produce cash flow is divided stocks. Buying shares of say 10 or 20 companies that pay high dividends like UPS, Verizon, CVS, Target, Coca Cola, Pepsi, and others produces a reliable income stream in the form of dividend payments every 3 months, plus also gives you the opportunity to build wealth through the capital appreciation of the shares of stock. Also, dividend stocks also come with a generally lower level of risk as companies that pay dividends are generally large, profitable companies that are household names and well established companies like the above mentioned. For instance, UPS shares currently offer a 5.77 percent dividend yield meaning for every 100 dollars you invest in UPS stock, you get paid $5.77 per year, paid quarterly. So At a 100,000 investment, that's 5,770 dividend per year. Obviously, this requires a large initial investment, but it can absolutely be done on a small scale to start out.

Schwab has everything on your list except early direct deposit. Also had international ATM fee reimbursement.
I've done extensive research on bank accounts and nothing really beats the brokerage banks (in this case Schwab, Fidelity, Etrade.) unless you need in person service or cash deposit. They all have virtually zero fees of any kind and unlimited worldwide atm reimbursement with their debit card that also has no foreign transaction fees. They also have great ACH limits and you can link a high amount of accounts.
For the differences: of the three, Schwab doesn't have free wires unless you have 100k in household assets with them. They don't pay interest on checking or have a high yield savings, but you can buy SWVXX which has higher yields than the Fidelity equivalent to make up for it not being automatic. Also of course Zelle.
Fidelity isn't actually a bank, and has trouble being linked to with plaid. Some financial services only work with plaid, like when I went to do a down payment on a mortgage that was time sensitive I had to link with plaid. And if you have any issues with their debit card you won't be dealing with Fidelity, but with a third party bank. They also have excessive hold times if you do an ACH pull of 7-10 business days, same for checks at times. For comparison, with Schwab I often have same day check availability. No Zelle. On the bright side they have free wires domestic and international, and they have good automatic interest in your "checking". They also have the best credit card offering, flat 2% back with no ftf,
Etrade has free wires, and it has a high yield savings you can link to with instant transfers, though they have the archaic 6 a month withdrawal limit still for some reason. They do also pay interest on your checking if you have more than $10k in your checking for some reason. They have Zelle. I think on paper they have the best offering, *but* I see way more complaints about their customer service (unlike Schwab which is world class, and Fidelity which is supposed to be really good too). They also seem to be sensitive to "fraud" which can be as simple as depositing to Etrade from a bank they don't know about. On the other hand Etrade does have a nice sign up bonus of like $300 or something for their checking.
I use Schwab as my primary, I have a separate High Yield savings (Lending Club, currently 4% with $250 monthly deposit), and I have Capital One which lets me deposit cash at any CVS, Walgreens, 7-11, Walmart, and maybe more, on top of course Capital One branches themselves. Added together it's more comprehensive than any single bank chain.

Of course, you'd need a small fortune to start with, but one great way to produce cash flow is divided stocks. Buying shares of say 10 or 20 companies that pay high dividends like UPS, Verizon, CVS, Target, Coca Cola, Pepsi, and others produces a reliable income stream in the form of dividend payments every 3 months, plus also gives you the opportunity to build wealth through the capital appreciation of the shares of stock. Also, dividend stocks also come with a generally lower level of risk as companies that pay dividends are generally large, profitable companies that are household names and well established companies like the above mentioned. For instance, UPS shares currently offer a 5.77 percent dividend yield meaning for every 100 dollars you invest in UPS stock, you get paid $5.77 per year, paid quarterly. So At a 100,000 investment, that's 5,770 dividend per year. Obviously, this requires a large initial investment, but it can absolutely be done on a small scale to start out.