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Fidelity has both Brokerage and Cash Management accounts. The latter works like a savings/checking accounts, I have both, don't know if it's necessary or not but the Cash Management account sounds like what you are looking for.
All Fidelity ATM withdrawal fees will be waived for your Fidelity® Cash Management Account. In addition, your Fidelity® Cash Management Account will automatically be reimbursed for all ATM fees charged by other institutions while using a Fidelity Visa® Gold Check Card linked to your Fidelity® Cash Management Account at any ATM displaying the Visa®, Plus® or Star® logos. The reimbursement will be credited to the Fidelity® Cash Management Account the same day the ATM fee is debited from the account
On line bill paying etc is also offered,
It's fee free and easy to use and available virtually everywhere.
I'm pretty sure other firms like Schwab offere similar services, it's just that I'm familiar w/ Fidelity and after using it for the last 4 yrs am very pleased.
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