what is the safest best checking account to use?

been trying to move my money out of my old bank and honestly i just want something safe and simple at this point. too many fees, random holds, and bad customer support with my current one.

i’m not really chasing bonuses or anything flashy, just want a checking account that’s actually safe, easy to use, and doesn’t give headaches. preferably something with good fraud protection and no surprise charges.

what are you guys actually using right now that you trust with your main money? i keep seeing different recommendations but hard to tell what’s actually good.

open to online banks or traditional ones, just want something reliable and stress free.