that were called “money management” had several limiting drawbacks
1. may require a minimum deposit amount that is pretty large. ($25,000 or more)
2. may limit the amount of transactions that are allowed without fees (both deposit & withdrawal)
3. may require a minimum time of having the account open without a penalty fee.
As you will hear Dave say often: Never buy anything that you don’t understand. If you can’t explain the operation of this account to an 8th grader – you need to do more homework.
Just my opinion – Your mileage may vary