<prompt> Human: I called into Wells Fargo today to ask a couple questions about a mortgage I recently paid off. After I was done speaking with the mortgage dept, they said that the banking dept would like to speak to me about a special offer, would I like to transfer? Sure, why not.I get on the phone with the banker who said they noticed I have a large amount of cash sitting in my checking account, 25,000 and asked if I am interested in moving some to a CD. I asked about the CD and they said the special offer for Premier Accounts is a .3 APY. I said to the guy, are you serious? So if I put 5000 in one of your CDs, the special offer is that I will get 15 a year. Im 28 years old. Think about what you are saying right now.. All the guy could do is go yea... I know. I then ask, so whats the APY on a savings account? Guy says .06..., aka 3 on a 5000 deposit. I honestly just started laughing and hung up.So the question is, am I completely missing something here? What is the purpose of these accounts with extremely sad APYs, even for Premier Accounts?Assistant: This doesnt answer your question, but its possibly relevant.Human: Whats the catch?  <response>: 1. Direct deposit into any LMCU account2. Minimum of 10 posted debit card purchases per month3. Minimum of 4 logins to home banking per month4. Sign up to receive eStatementseNotices 