I suppose their mistake was burying it in fine print. These aren't hard things. Most Americans meet these in a week without even trying let alone a whole month.

Many community banks offer similar programs. And smartly, they don't bury the qualifiers.

As for the complaint that there's a cap for the high interest at $25K. Remember, this is a checking account. Not a retirement plan. They have to do that or else smart people with money would put $100K here instead of in a CD. These returns are higher than CDs and funds aren't locked.