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ALL of The things

Across
Minimum of $50
Minimum balance of $500
One way to earn free stuff
Pays the difference of what your insurance doesn't
Earns a higher interest than a money market.
Down
No fee with direct deposit
Protects your assets
One way to purchase all of that stuff you want.
Just in case of an emergency, you can use this
A good way to save money other than a savings account