Believe it or not if you have a lot of money, Bank of America/Merrill Lynch is a very good option

https://www.bankofamerica.com/preferred-rewards/

Fidelity let's you set up all your accounts with them (including checking) as transfer on death accounts, which would avoid probate. Mine are all TOD. I have primary a secondary beneficiaries.

If you have a high cash balance you should really put it in a high interest earning account, Discover Bank, Ally, etc. Since those are all online only banks then they know how to do things without having to visit a branch. There's a zero percent chance a bank that doesn't have branches will tell you to visit a branch to do something.