Fidelity [1] and Schwab [2] are both options for checking (deposit accounts), reimbursing all ATM fees domestically (Fidelity) and even internationally (Schwab), with no fees or minimum balances. Amex has rewards on par with Chase [3]. Credit unions [4] are always preferable, of course, if you don't need ATMs frequently or branch services. Ally Bank or Discover Bank are also no fee options for checking and savings accounts if you need Zelle support (which should only be a thing for another 2-3 years as the Fed rolls out instant payment infrastructure). TransferWise is a low cost option if you need international funds transfer services (it plugs into Fidelity and Schwab accounts without issue).

You don't need to touch Wells, Chase, or BoA to have financial infra in the US, although you might be stuck with them if you have a mortgage, auto loan, or other lending they originated or service. My condolences in that case.

[1] https://www.fidelity.com/cash-management/fidelity-cash-manag...

[2] https://www.schwab.com/checking

[3] https://thepointsguy.com/guide/amex-membership-rewards-vs-ch...

[4] https://www.mycreditunion.gov/about-credit-unions/credit-uni...