Phone call support has been surprisingly good whenever I’ve needed it.
When I used standard banks they often forced me to go in at difficult hours to do basic things and it took forever. They also had lots of fees (and as suggested in the parent comment, bad software)
Most brokers have some kind of cash account and they're always better than banks and almost always better than credit unions.
I recommend keeping a credit union account open too so you have a local branch if you need something in person.
You answered your own question.
Is there something banks like BoA do better that I'm missing? When I've asked people I know this I haven't gotten any good answers. I'm genuinely asking.
My impression is that BoA, Wells Fargo, etc. mostly take advantage of customers that don't know better options exist.
For me, Fidelity is a non-starter, for reasons that are none of your business.
It's nice that you like Fidelity. But it's a good idea to recognize that your finances and life situation are unique to you.
Lots of people talk about finances online. See r/personalfinance or r/financialindependence. It’s a good way to learn.
I cannot convey 50 years of my financial life, experience, and history into what fits in an internet post. Anyone who can probably has a very narrow view of finance. I can say that I know how to manage my finances, and my accountant agrees with my methods and track record.
But if you think Reddit is the route to financial literacy, I can understand why you don't understand.
Fidelity is a superior experience in nearly every way - just categorically. I'm not sure if people just don't know that you can use Fidelity this way?
The only downsides are no local branches, but that's hardly an issue unless you need a cashiers check. In those rare cases you can spin up an account at shitty bank, get the check, then close the account. I've had to do that maybe once ever.