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Sounds great to me. Really looking forward to seeing these guys in action, I will definitely give them a try if given an invite (hint hint). Citbank FTL!
You should also check out Betterment. They had a great presentation at the TC Disrupt conf Monday. The video is posted on Techcrunch.
They are not doing savings / checking accounts, are they?
Try a credit union…. they’re the anti-bank.