<prompt> Human: One example: 3 Max Checking account from Lake Michigan Credit UnionThere are similar offerings from other credit unions and banks. Near the bottom it says Rate subject to change, but it doesnt say what would cause that.What are the risks with these types of accounts? They must be taking your money and investing it or doing something with it. So, what could happen that would cause them to not give you 3? Whats the catch, or what are the risks?  <response>: Theres no catch theres just lots of fine print.Usually for those accounts youll need to meet a handful of requirements - buy 10 things per month on debit not getting credit card rewards; spending your extra interest, log in 10 times per month, have direct deposit, etc. Some or all of these may be a non-issue for you but they exist.Also there may be a lot of behind the scenes fees - see what transfers cost, if theres a monthly charge for the account, etc. I see a fee section on that website, skim through and see if theres a service you would use that costs a lot - remember it doesnt take much to outspend an extra 2 - on 15K max thats 25month extra you receive, if you are spending more than that whats the point?So yeah, if you are cool with all the hoops and an extra 20 bucks a month is worth it for you, go for it. 