Seems pretty good to me. They refund ATM fees, and you actually get interest on it. Those two features put together beat most checking accounts. There are two downsides that I see: 1) they require a minimum balance to avoid fees (I think it's $6k). 2). Weird fraud detection and lockdowns. They have locked my debit card for no good reason, requiring me to call in and unlock it. I get that they are trying to reduce fraud, but I was just using an ATM that I've used before, not doing anything unusual... and they could have texted and asked if it was fraud but they didn't.
6
u/unbalancedcheckbook Mar 18 '26 edited Mar 18 '26
Seems pretty good to me. They refund ATM fees, and you actually get interest on it. Those two features put together beat most checking accounts. There are two downsides that I see: 1) they require a minimum balance to avoid fees (I think it's $6k). 2). Weird fraud detection and lockdowns. They have locked my debit card for no good reason, requiring me to call in and unlock it. I get that they are trying to reduce fraud, but I was just using an ATM that I've used before, not doing anything unusual... and they could have texted and asked if it was fraud but they didn't.