I don't have a US bank account so this doesn't affect me, but just speaking as "Joe Consumer" you may want to address parent's point about the bank's T&C, since that was the only part of his comment that jumped out at me and the only part you didn't address.
It doesn't. Thank you for pointing that out. Mint did a lot of the work for us here to be honest, they made it really easy to get this stuff out of the way.
