<prompt> Human: Ive been seeing people swear by Ally or other high interest accounts that have like 1 interest or something. In another personalfinance thread somebody pointed out this account:4.59 APY and the requirements are pretty basic. Am I missing something? Is there a reason why they can offer this product?  <response>: 12 debit transactions 1000month in credit card spending is a simple requirement, but not one thats easy for many households to meet. If you exclude my bill pays, I dont spend 1000month. I also never use my debit card for POS transactions because the fraud protection on my credit cards is higher. 