<prompt> Human: Seems like a no-brainer. What is the catch?If you enroll in direct deposit you can get 6 APY. After the first 5,000 the APY goes down to 0.1 on 5,001. Why shouldnt I move 5,000 of my emergency fund to Mango to earn the 300?  <response>: The catch is people dont know how to use search for commonly discussed topics. 