; (2) shall provide functionality and service levels no less favorable than those that the member bank offers for its existing transaction accounts, including with respect to debit cards, automated teller machines, online account access, automatic bill-pay, mobile banking, customer service and such other services as the Board of Governors of the Federal Reserve System determines appropriate in the public interest, provided that digital dollar wallets shall not include overdraft coverage; (3) shall be prominently branded in all account statements, marketing materials, and other communications as pass-through FedAccounts maintained by the member bank on behalf of the Federal Reserve; (4) may not be closed or restricted by the bank on the basis of profitability considerations