The have a fee structure that can be a little worse but the hidden fact is they pay the first '10k' with interest so the additional $400 you get a year should make up the difference(they dont try to lower their fees artificially and charge you later by not paying you a penny in interest so you can be seduced by their fee table), specially if your not a daytrader. The only thing I didn't like was the fact that the first wire is not free but if i dontput money I need for shopping on my broker so I can take that. Plus they have live chat and support that works. Free level data 1 information. Free Level 2 for some ETFs. Good software Is there any disvantage I'm not seeing here?