<prompt> Human: A high interest savings account. What are all the fees and what makes putting that much money in a high interest account even profitable for the bank. Assistant: You dont usually want to put that much money in because theyre only insured up to a coupe hundred thousand. That being said it shouldnt cost anything. Banks would be thrilled to keep your 10,000,000 for you.Human: Where are they getting the money to pay your 100 000 a year if your rate is 1?which is extremely low for a high interest savings account anyway.  <response>: Theyre loaning your money to people at 4.5. 