; (B) shall pay interest at a rate not below the greater of— (i) the rate of interest on required reserves; and (ii) the rate of interest on excess reserves; (C) shall provide functionality and service levels not less favorable than those that the member bank offers for its existing transaction accounts (including with respect to access to debit cards and automated teller machines, online account access, automatic bill-pay and mobile banking services, customer service, and such other services as the Board determines), except that pass-through digital dollar wallet shall not include overdraft coverage; (D) shall be prominently branded in all account statements, marketing materials, and other communications of the member bank as a pass-through FedAccount maintained by the member bank on behalf of the Board of Governors of the Federal Reserve System; (E) may not be closed or restricted by the member bank on the basis of profitability considerations