OP didn't specify what part of the US, but the US doesn't have a truly nationwide bank. Some swaths of the country lack major nationwide banks (eg Midwest). Chase doesn't exist in Alaska or Hawaii.
It also may not exist in all parts of the state (I think one state my friend lives in he has to drive 2 hours to get to a BofA).

Does the UK not have the equivalent of Schwab or brokerage accounts that give free ATM withdrawal? Or types of checking accounts that have that benefit?