IB’s also nice for wires out. Wire works too as the “free” one withdrawal a month, as long as that’s the first withdrawal. (and no fee for receiving any)
Aggravatingly, all my checking accounts have fees even for receiving wires, though…
Second the suggestion for going with the wire if the cost is the same or doesn’t matter compared to time.
I’ve only used ACATS for myself for making charitable contributions. But my account is probably smaller than yours.
Edit: Side note, If you really want one of their physical electronic two-factor security cards, they now have an official requirement for $500k account value. But you can probably make a special request if you want one (rather than using the phone app), if you tell them that’s one of the reasons you picked them.
I was able to get one to replace my old one (that the LCD broke because I took it in my wallet above 14k ft on a mountain and the liquid expanded too much) after they already had the $500k requirement (without a $500k account value) by asking nicely.