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They provide all the answers that you have.
I opened up a rewards checking account, with the current 3.51% APY paid on the portion of the balance below $50,000. The account was easy to open up, plus I can open up a corresponding companion Rewards Savings account that now pays 1.51% APY on the entire balance. That beats many savings plans, or money market account rates.
It's great that you can organize your finances w the toggle buttons to add where it was spent. Fantastic set up!