I don't allow anything to be directly taken from my bank account. I pay via credit card which has 2% back and thinking about opening a Robinhood account to get the 3% back card. 2% just about covers the fee for paying with a credit card. For those businesses which require payment directly from a bank account (cell phone) I have set up a small account with American Express which pays 1% interest. I don't think it is ever a good idea to give any company automatic access to my accounts. Though I am sure if the IRS wanted my money they would just take it.
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