I get CG from leaving some ETFs in a SDBA at CPWM, where I pay no fees. In return I get

* free safe deposit box
* one card fee waived per year (up to $100, used to be 2)
* 30k typ per year from doing various random banking stuff, paying a bill, putting $20 into savings etc
* don't really use ATMs, but all fees waived for those
* maybe once in a blue moon need an in/out wire, no fees again
* can order physical foreign currency w/o fees, but again probably getting jacked on the fx conversion rate
* cg lounges / culture stuff, which i used to use when living in NYC, now its worthless
* special help line for problems, which if I call from wifes phone M-F 9-5 or so, gets me a South Dakota or Missouri based high skilled rep. Doesn't work from my phone most of the time.
* so far, generally can find branches near me, but they are shrinking their footprint

All the banks suck in their own special ways. And I have lots of other inst. to compare to, that I also use, but the value prop is pretty decent.

Schwabby is decent too, but some core banking functions, they can't handle. e.g. they don't open bank a/c for minors. one would have to open a custodial brokerage a/c. and for a variety of reasons those don't work exactly the same when you have to make in/out payments.