[russdpale]

The 3% was definitely interesting, but to me at least, moving money quickly between my account and trading/investing account would be nice. Especially when its all in one application.

To me, the 3% is not that interesting. 3% is chump change, 3k on 100k.. who cares? Most Americans don't even have 400 bucks in any of their accounts. I don't think most people are going to sign up with a bank for 10 bucks extra per year. Usually much less than that.