We do link to our site on the top and I can talk about this ad nauseam but suffice it to say we have a plan to build an (actual) bank from the ground up and we're trying align our incentives with the customers by doing things like paying customers higher interest rates for saving more instead of spending more etc.

tbh I'm not trying to use this as a platform for advertising but I'm happy to chat if you want to email me. zach [at] hmbradley.com