You may be interested in switching your checking to a brokerage like Fidelity or Schwab. Some benefits:
at least at Fidelity (haven’t checked Schwab), your checking can be invested in a money market fund - mine gets >4% interest
access to your Treasury ETF much sooner
Fidelity and Schwab refund intentional ATM fees (depending on account type)
Basically, you’d get better interest in your checking and fewer accounts overall.
I switched late last year and I love it. My structure is:
Fidelity Bloom Spend - main checking, core is SPAXX, only has 2-3 weeks spending money
Fidelity Bloom Save - main savings, core is SPAXX, and has ~1 month spending money, plus Treasury bills that make up the rest of my efund
Fidelity Cash Management Account - usually near $0, but I’ll load it with some cash when I travel so I can use the free international ATM feature as needed, core is a basic savings at ~2.5%
SPAXX gets just under 5% right now, and it’s nuts that I’m getting that in my “checking.”