Guess I didn't even think of the prospect of minimum deposits PER MONTH. This is why I'm glad I asked on this reddit, I can see I still have a lot to learn.

I see, that is some good insight to have. I have been looking into Ally since seeing that prior post I was referring to and it seems like a great option. The only sticking point was the discrepancy between their interest rate vs higher rates on the market. But that absolutely makes sense to consider who offers high rates consistently.

Thank you so much!