I fully agree. The difference is the value exchange. At a normal bank they just want to charge you fees because you cost them money. Fidelity lets you keep your money with them in the hopes that as you grow your money, you'll spend it on their investment products, which I imagine everybody does.

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.