I read this poor review on depositaccounts.com. Not sure of its accuracy:

A Bank Without The Ability To Handle ACH?!
Posted by: SillyValley | Dec 1, 2017

This is the worst HYSA I’ve had the displeasure to work with. My plan was to take advantage of the 1.5% interest rate. Opening the account was the usual process - went just fine. After my initial $1k deposit I went to transfer a sizable amount and discovered that this bank does not allow ACH transfers between banks - they can only accept wire transfers or check deposit at a limit of $10k/day. To withdrawl funds, the same process.

I tried calling in to discuss with them and guess what - their phone lines were down. I had to talk via chat and ask for them to call us. I told them I was shocked at their lack of ability to handle ACH transfers and wish to close the account. Because I’m closing before 120 days - a $10 fee and now I get to wait for my $990 check. Costly mistake of time and money.

BBVA had a similar policy but I was able to freely move money out from Fidelity.

Does this mean if I initiate a $5K transfer in from, say, Fidelity, it will fail and not go through?

I guess you can always initiate ACH transfers out from any bank of your choice and for any amounts since $2K limit applies if you initiate transfers out from them.

Northpointe Bank Ultimate Money Market 1.50% $25k to $1m to earn rate

Yes, anytime I scan and try to deposit with a smartphone I get this message:
You can’t deposit this kind of check through Chase QuickDeposit. Please deposit it at a Chase branch or ATM.

Canadian checks cannot be deposited with a Smartphone in the U.S. I have always deposited them at a branch. I plan to try ATM for the first time. My question is if this is as safe and sure a method as depositing inside a branch with a teller?

I mailed my CA income tax return on 10/12/17 along with my Federal tax return (also certified). I received the proof of receipt from IRS a week ago, but nothing from CA State. I checked MyFTB account and it shows 2016 status as Not Received (Not Filed). Should I allow more time or start contacting the State or Post Office to see what the problem is?

PS: I just tracked USPS online and it shows:
October 28, 2017, 6:35 am Delivered SACRAMENTO, CA 94240

Does Fidelity Investments remove/delete externally linked banks if inactive for certain number of years? And if so, how many years? Some of my older inactive linked banks seem to have been disappeared!

I agree! Not paying off the balance earlier than necessary is a better strategy than paying off early and expect some kind of offer that may never come.