And above 4M? (My recollection is most people are complaining about some absolute whale accounts.)
I'm also curious on the 4.9 being "high yield." You are right that most of us have things in a checking account that is often sub 1%. Every bank I've ever been to had easy ways to convert that to a higher number. Usually you had to use their card or some such. (Such that, I would still agree that 4.9 is high, but not absurdly so.)
And don't forget that the risk had emphatically nothing to do with that percent versus the treasure bonds. It was depositors withdrawing. Presumably to put their money somewhere with higher yields, if rational. More likely it was to get it out and put it somewhere with, again, sub 1%.
I'm also curious on the 4.9 being "high yield." You are right that most of us have things in a checking account that is often sub 1%. Every bank I've ever been to had easy ways to convert that to a higher number. Usually you had to use their card or some such. (Such that, I would still agree that 4.9 is high, but not absurdly so.)
And don't forget that the risk had emphatically nothing to do with that percent versus the treasure bonds. It was depositors withdrawing. Presumably to put their money somewhere with higher yields, if rational. More likely it was to get it out and put it somewhere with, again, sub 1%.