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Your new favorite bank and last go to you’ll ever need. They’ve got your back with a juicy 0.3% interest rate APY that improves up to 3% when you refer a friend. Tons of cash back opportunities for shopping, phone service and paying bills. How about getting your paycheck ahead of the crowd? You get 2 day early arrival on most deposits. You’ll never get hit with any Fee’s and they don’t need a credit check to open an account.