Or just plain Schwab One. Don't know about Zelle but ATMs and checks work just fine.

(Better than fine, in fact, in that they refund your ATM fees.)

If you're a private bank client how much do you care about ATM fees?

(Shrug) Ask the private bank client who brought them up.

Much more than you would think

Chase Private Client refunds ATM fees too. It's especially nice if you live in a location where a substantial fraction of Chase ATMs and branches are shuttered!

yeah agree -- it seems like a mistake to use retail banking for real business amounts of money and transactions. I suspect that young adults focused on a fast-moving tech world really did not live the hard lessons of the past with business restrictions. On the one hand, it is a new world now (no one would have come up with the kind of money referenced here, with Mom and Pop business pace); on the other hand, maybe you really are trying to load a trucking worth of transactions onto the top of your used Honda Accord, so to speak.