This bank has a subsidiary Bask Bank which is an online bank that pays American Airline miles instead of interest. Current rate is one mile per dollar deposited. Easy to set up account. East to transfer deposit from an existing bank account. The problem is transferring your available money back out. This is liquid short term money that needs to be available for needs. The website will restrict your transfer out. Even attempting to take out 0.000625 of your available funds will result in a excessive fund error.