Update: I was heartbroken when my perfect bank closes my checking, savings and karma accounts suddenly and with no warning at all! I had to scramble to get direct deposits moved to other accounts! Noone can tell me why either. Very dissatisfied Original: I love the motivational quotes that pop up when you first log in, getting surprise cashback on purchases, and having others pick up the tab for you. I also received my Bella Loves Me t-shirt! Love it!