This account has several nice features including: can be set up entirely online, no hard credit pull in the application and a $25 refer-a-friend bonus. The main downside is that you can only link one external account, and they don't allow you to make debits from links created at external accounts. Refer to this post for more info on this account.
I now have an account and can send you a referral (email me at email@example.com with your first and last name). Be sure to include a request for Amboy. The big downside of this refer-a-friend bonus is that it requires a $3,000 balance for 90 days. After this bonus period ends, you will receive $25 and the client who made the referral will receive $10. If this account didn't have a top rate, this bonus might not be worthwhile. For more info on Amboy's refer-a-friend bonus, please see this post