I guess that's how they are finding the 5% APY. 

The canned response from the Quickbooks Team Members here are sorely lacking. I expected like a level "god" customer representative to hop on and provide a meaningful and decisive response. I have been in threads with very fraught situations, where a customer service member chimes in but then takes the affected party to a side chat and gives them meaningful help, such as  links, phone numbers and case numbers to REALLY follow up. The information they are giving here is the exact same number and link we ALL use... that's really pathetic!!! I was about to click on the link to open a bank account and after reading some of this I think I will keep my current setup.