This may be unfounded, but I am pretty skeptical of any bank or service that offers such high APY for a savings account. The effective federal funds rate is now about 0.6%, and Wealthfront is really clear in their communications on how the interest on their cash account is directly tied to that rate. More generally, although I am not an expert, I am not sure how any bank will be able to maintain interest rates that high without somehow making money off you, or coaxing you into doing something that is actually profitable for them, when you don't see it. Especially because if they actually want to call their account a checking account, they are subject to the same legal imitations (amount in reserve, ability to make loans) as other banks.
Looking at One Finance and HMBradley, these 3% APY accounts seem to only be added to as a percentage of your direct deposit paycheck. For HMBradley, that rate only seems to kick in if you save 20% or more of your paycheck each month. I am not a financial advisor, but this seems way more than anyone should be keeping in cash. Main reason being you should only keep it for liquidity and emergencies and nothing else, because otherwise you're basically losing money to inflation.
The median American household makes $60k and has a net worth of $120k. The standard financial advice is to have an emergency fund to cover about 6 months of expenses, which we can say conservatively (adding in any other cash people keep) would be maybe $30k. To stay at that level with about 1/4 net worth in cash, you should save 25% in cash after expenses. The most common budgeting rule is 50% (needs)/30% (wants)/20 %(savings), meaning that to stay "even" you'd actually want to save at most 4% of your paycheck in cash (this way, 25% of your net worth growth will be in cash). This is not even enough for the lowest HMBradley tier of 0.50% APY.
I think all the assumptions I made are pretty conservative, namely that expenses grow linearly with income. I'm going to guess that if you're higher income (eg 2x median) your expenses will not be (they will maybe be up to 50% higher), so you should save even less to keep your emergency fund. Therefore 25% of net worth in cash seems to be a pretty good rule of thumb, if even too high for higher net worth households. You don't bump into that unless your total spending is 20% of your paycheck each month (the number of people like that must be really small). So one way or another, you're losing pretty significantly keeping that much in cash.