I guess I don't quite understand the target audience? I put in my average checking amount and it quoted me at how I'm potentially missing out on $262 dollars/year, at which point, I think, yeah okay, but I have FDIC-insured deposits, so I don't feel too compelled to forgo that for the promise of maybe adding another $262 to my wealth. I'm just simply not keeping 10s of thousands of dollars in my checking account. To me, that's what a savings account and/or investment accounts are for.

So who are these people keeping so much money in their savings account that they want to invest it, but are not already being served by other offerings from traditional investment firms of high-yield savings accounts?