Fidelity seems to be more than bank account

It can probably do all of above inaddition to free wire and real bank routing/account # (UMB). Linking other account seems to be unlimited (can use both login in instantly or small deposites). Plus you can trade tBill seamlessly and leave enough to MM to cover everyday banking need. The only difference to bank is not FDIC insurance, but MM and tbill combination is probably on a similar level of safety.