I use it in combination with a regular checking account and transfer from there but I do think they allow direct deposit as well. They also have a "bucket" system so you can organize your money if you want to.

3:. I use Ally. They currently offer 3.34% so that would be $800-$1600 depending on when you use it. Only downside is no physical location so you can't deposit cash.

I was thinking it could be done in the shower with a razor and conditioner to soften the "fibers".

Huh, that was NOT what I expected from the title.