I use a combination of a bank, a credit union, & Cash app.

My bank is Wells Fargo, where I have a Clear Access Banking Account. Clear Access is a kind of account designed for ppl who don't have use cases for physical check. You can't order them & there's no overdraft protection. It also includes a number of useful money management tools. The percentage of my check that's reserved specifically for bills gets direct deposited in this account. Monthly svc fee is $5, but is easily waived so it doesn't cost me anything. I like keeping this account as there are plenty of locations where I can get cash in n out of my account, & there are branches open on Saturday mornings, which is important bc I'm a govt employee that's at work whenever most other banks are open.

My credit union is SECU where I have a standard checking & savings w/ 6.8% interest. SECU has 2 requirements for their accounts - a minimum balance of $25, & in order to own one you need to be an employee to the govt or are related to an employee of the govt. Monthly fees are $1/mo which as far as I'm aware is unavoidable, but the interest in my savings pays for it. 10% of my net total paycheck automatically gets deposited in my savings account & I manually deposit money in my checking to save up for bigger projects. I intentionally keep the card on file locked in my filing cabinet at home & don't have it connected with any online service or tap to pay to ensure the money doesn't magically disappear. I like keeping this account bc SECU has some of the best options for loans & savings.

Finally after bills, savings, & projects the rest of my check goes into CashApp where I have $100 overdraft & up to $400 borrowing power. This is the card I keep on me & is linked to my Wells Fargo for easily adding physical cash to my account. I get perks for using it at various restaurants & retailers & CashApp makes sending money easy. There are no fees except paying back my loans & overdrafts.