<prompt> Human: My friend was telling me about this new high interest savings account that he is trying out called Beam They guarantee 2-4 growth, zero fees, FDIC insured, no long term agreements, and you can withdraw funds anytime and get them within a few days. That return is higher than any savings account Ive seen, and its probably the highest FDIC liquid investment Ive seen overall. Has anyone tried this? My gut is telling me that its too good to be true and there has to be some kind of fine print stipulations.  <response>: Ive been on the waitlist since close to the beginning. Ive moved from the top 2,000 to the top 4,000 since I refuse to send invites. Supposedly their beta testing and trial accounts are going to start opening in the next couple of weeks, but right now nobody has an account because they havent started opening them. Itll depend on their rate if I bother. 2 probably wont do it for me since Im already getting 1.8 with DollarSavingsDirect and Ive been getting over 1.7 on new 4-week T-bills, which are worth more like 1.9 to me when you factor in their state tax-free status. 