Opening a bank account

Q: I have an education saving account at the bank. Basically, we deposit money every month for education, and on top of that, the government puts 2.5% without us asking for it. Is this considered as interest?

Q: I need to open a current account at a conventional bank. This particular type of current account comes with a R2000 funeral cover. Whilst this R2000 will be ignored by my family when I die, can I still open this type of account?

Q: I have a question which might seem a little odd but was hoping you could assist me. I have an account with First National Bank called a Young Professionals Account and the only way you can get this account is  if you are between the age of 18 and 30, earn more than a specific amount a month and have a professional degree (law, accounting, engineering, medicine etc), like a profession. I got the account a couple of years ago but started realising now that I don't have one of those professional degrees, although I do fill the other requirements of age and minimum salary. Mine is a Bcom IT Degree, just not a professional degree like the ones required for the account. They required a degree certificate which I handed to them and they did accept it at the branch I went to. I'm torn as to whether it is haraam for me to have this account and whatever I have spent and use in this account is wrong or forbidden. The degree certificate I handed to the branch was my own certificate showing a normal Bcom degree. Should I be worried about this? Do I need to change my account? What about all the things I have used the account for? Apologies for the odd question. I did know at the time that it wasn't one of those professional degrees but it didn't occur to me that it might be wrong. This account also has fees and and these fees are automatically taken from the account as well.

Q: Is it permissible for me to link my bank account with my father's bank account at the same bank which contains interest but I am not withdrawing any money neither am I depositing money from his account but just linking it? My account is interest free and the money in my account is not being shared with his money but the "link" is still there.  Is this permissible?

Q: I have a bank account. The monthly service fee is R169. There is an option, if a balance of R10 000  is maintained for everyday of the month they will give me a rebate in return depending on the balance. e.g. If the balance is R40 000,the rebate is R65. Will it be permissible to take this option? I am asking because I see it as a way of paying less bank charges.

Q: I would like to know whether we can do savings of money to buy a house or keeping extra money in bank is not good and one will be accountable for it before Allah Ta'ala?