7% is higher than the CDIA which I think is around 5 point...

7% is higher than the CDIA which I think is around 5 point something %
but I see the problem with keeping up with transfers for the trades.

The CDIA is preferable to this arrangement but I have a dark suspicion
that in some not too distant future they may offer preferential
discounted brokerage on the cash management only and not the cdia
and I believe this is also all part to moving people
off receiving paper statements as a cost cutting measure....

I expect if that change is implemented it will generate a lot of revolt
for the above reason of inconvenience.