Fidelity smart cash account

It was suggested to me to open a smart cash account from Fidelity because I was trying to decide whether or not I should close my bank account due to pdl's and nsf fees. I was wondering if any one has used them, if they were happy with the account etc... I did not close my checking account because the bank agreed to put a freeze on the account until I could pay off the account and regain access to this checking account. I need a checking account that will not drain me of all my money in the mean time due to my company requiring direct deposit. Does anyone have this experience or one like it?