[andrewfarah]

They do and it's very helpful, however, since they are technically "savings" accounts and CapitalOne 360 (like all banks) makes more money the longer we keep our cash in one place, they limit the number of transactions out of any of those accounts to 6 per month.

For that and other reasons, I think the proposed system is worth exploring.

I will say though, I'm a very happy 360 customer.