With ~$600K/year of subscription revenue? I don't know how much they make on other bank-like functions, but I assume it's not nothing because other banks seem to survive without charging subscription fees.

I was hoping that, after going through a number of other "advanced money management" fintech banks over the years and them selling out, that going with a place that I directly paid to use would allow it to sustain independently and add features, but it seems like the other scenario I worried about became the issue: The subscription fee severely limited their membership pool.