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This article seems to just be an advertisement for the authors new bank account?

its not an advertisement my friend. Just explaining how I see the world as someone who is working in it. Tried to be as unobtrusive as possible!

I'm with you. You're contributing a thought piece and unobtrusively include a link to your bank at the bottom. It's not overtly biased, and it's neat you're getting attention for your banking app by, instead of describing it, simply saying you're doing something "interesting."

I think, by focusing on the $5000 emergency cash proposition, your customer segment will generate more costs and hassles than their debit card fees and whatever interest spread you eek out in today's world. You'need a way for your customers to generate more value-- what have you thought of? Ads?

thanks perspective1! I find overt self-promotion to be distasteful, so glad it came across well. We are using the interchange fees to pay for the $5000 emergency fund, they have to move their direct deposit over to switch "ON" the safety net. We do break even based on our current estimates of annual spend and claims, but looking at a few different ways, upselling insurance is the big one! Will write about it and make sure to post on this comment thread!

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