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Just to be clear, this is not my scenario, I was challenged to find such a product on the market by another fool and that's exactly what I did.

To be really clear, the challenge was issued after you warned about money in the bank being more costly than stuffing it under a mattress. That poster likely issued the challenge because he was thinking about normal banking accounts held by the majority of people. He didn't consider you would find some high balance, high fee account.

In the end, the advice remains the same - find a different bank.

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