Email me if you want more info. Floridaknottie @ gmail.com Basically - it's a savings account with the highest earning interest around. It's ALL online (but completely safe) - the most important thing to know that your money cannot be automatically withdrawn (I believe it takes 3 business days). It's truly meant to be a savings account.I made $300 in interest alone last year on my account! And that's after I took out a big chunk for the downpayment on our house.xoxo