These accounts link to your neighhood cookie jar account and can be borrowed from each other. I was skeptical too..but it was easy once I got the info in..and they pay interest on the free money too! Can trasfer from home with the puter. They deposit $25 then 2 smaller deposits equaling another $1 to verify your land account is real. Interest is higher than you get at the back so I'm moving my stale money back and forth. You might like this. cjk