Changing requirements & must have app??? !! I originally liked the idea of having only to have direct deposit of $200/mth to get the 4%, but NOW we MUST use the card 10 times EACH month to get the 4% !!! Also the REQUIREMENT to use the app from the phone instead of being able to access website from phone browser is annoying. Next there will be a required minimum those 10 transactions must total to be eligible ugggg. Also why no free way to deposit CASH???