All banks suck. But there's a lot to be said for longevity and experience. Also the number of program banks that actually work with Fidelity is pretty long: https://accountopening.fidelity.com/ftgw/aong/aongapp/fdicBa...

yeah, but structurally speaking, fidelity isn't a bank and so while they didn't use synapse, my money with them is subject to the same risks. If one of the banks in that list goes under, fdic kicks in, but if fidelity's computers gets Mr robot'd and they don't know how money i have where, I'm still in the lurch.