Does anyone use the Fidelity Cash Management account in place of a checking account at a bank? I'm thinking about switching but wanted to see if anyone has first hand experience with this. Offers 2.7% APY vs. like 0% with a checking account. "The Fidelity® Cash Management Account (FCMA) is a brokerage account that’s an alternative to a bank account. It gives you the flexibility to access your cash whenever you need it while still allowing you to put your money to work Fidelity® Cash Management Account (FCMA) features include zero account fees, zero minimums, zero ATM fees, free check writing and deposits, and a debit card to access your money at any time when you need it. Plus, get up to $1.25 million in FDIC insurance, which is 5X more than a typical bank offers."

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