<prompt> Human: My credit union offers 3.0 APY on my checking account if I make 20 debit card transactions per month. There are other requirements that I can easily fulfill. Normally I would make about 4 transactions coffee.Any ideas on how to get to 20 transactions without throwing money away on things I dont need? Is this even a good deal?Related question: It is dangerousinadvisable to have a large amount 15,000 in a checking account linked to a debit card?Thank you!  <response>: Just to protect yourself never use that debit card as a swipe transaction but only as a Dip that is what they call it when you use a CHIP card transaction.If I was going for 3interest I know one thing for sure, the clerk at the local 7-11 is going to be really mad about me buying 20 pieces of nickle bubble gum in a separate transaction for each one. : 