Yup. 4% return on the first $25,000 in each account. Each person can have two accounts. So $50,000 for you, $50,000 for your spouse. That's $4000 a year in interest. Pretty sweet.

The tricky part is to qualify for that 4%, each account has to have at least 15 debit transactions (minimum $5 per) each month. It's harder than it sounds!