I'm torn between albyhub and CoinOs.

I'm looking for a bitcoin "checking account"

Strike Bitcoin bill pay will be nice

Need to balance ease of use, features, and sovereignty.

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I use Phoenix and Sparrow as my actual Bitcoin checking accounts. Alby hub on LND for zapping. I have a CLN node hooked up to Zeus, but I think I'll close it.

Heard good things about Phoenix.

I miss Alby go.

Why not both? Alby Hub is a little higher on the sovereignty scale, but Coinos is a good backup option when things go wrong with the node. Also, did you know you can use Alby Go as a front end for Coinos?

Ahh, didn't know about CoinOs Go.

Look into Rizful.com as well. They're a cloud Lightning node provider, similar to Alby but more hands on. Whereas Alby does all the work for you, on Rizful you handle opening and closing your own channels. Rizful also provides a lightning address for receiving zaps, and has full NWC support which facilitates sending zaps from within your client, and connecting to the Alby Go wallet for easy sending and receiving. I use them and I've been really happy with it.