What’s the best checking account out there with no fees? Downgrading from Chase Private Client to put short term reserves in a HYSA and think there must be better options out there than Chase’s basic account.

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Sofi. Gives you a checking and savings combo and one of the best sign up bonuses out there.

3.25% interest on savings, $25 cash bonus for signing up through a referral, and $250 cash bonus for connecting direct deposit. 2 day early paychecks, stocks, crypto, loans, etc. Unless you're holding a massive amount of cash, chasing an extra 0.1-0.5% isn't worth it, especially once you factor in the sign up bonus. Even if you are, you can just get the bonus and move your money.

If you want
https://www.sofi.com/invite/money?gcp=4516e7c6-2438-4415-a56f-3d0df658c2d5&isAliasGcp=false

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