pHBD has to pay more than the 20% the savings account offers. Otherwise nobody would jump thru all those hoops.. I'm a prime example. If I wanted to I could e easily afford to throw $1000 at pHBD.. but there's a lot of wrapping and unwrapping involved to get money in or out or from here to there.. not to mention the countless possibilities of user error and funds lost... that's to complicated. HBD savings is a 3 click operation. Wham. Bam. Thank you ma'am.