OK thought I post update on this. I just applied for the Basic account with no fees. Able to create new online click profile and able to see all my accounts linked to the basic account. But don't know if I cancel my atm card for my current account what happens. ie if I will still see everything with the basic card profile. Also haven't test the fund transfer portion since my phone TAC is still tied to the old card. Will test it out next year before they request for annual fee again.... lol...