Yes the interest is real, but you have to keep the account open for 6 months or they take it back. it's almost impossible to add a credit union bank to aid with moving money. I closed my account due to poor customer service and the fact that plaid wouldn't link my primary bank account with current. The fact that they use plaid should be enough for you to stay away. Customer service stated that the information I'm entering must be wrong, when that simply wasn't the case. Now I have to wait for a withdrawl request to come through to hopefully get my money back from this shady "bank". Avoid if you don't want a headache.