Get your pay early & more with direct deposit

Active personalized card required. See Account Agreement for details.

No monthly fee when you direct deposit $500 or more in the previous monthly period. 

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Learn more (Overdraft Protection PDF).​

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on eligible Demand Deposit Accounts. Log in to your account and refer to your Account Agreement to check feature availability.​

Simply pay as you go.

4 free withdrawals per calendar month, $3.00 per withdrawal thereafter.

Monthly fee waived whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period. Otherwise $5 per month.

See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.​

Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period.

Activated, chip-enabled GO2bank card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. See Deposit Account Agreement for details.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY) as of March 2023. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.37% is determined by the FDIC as of 3/20/23. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) as of October 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF)for terms and conditions. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Previously authorized transactions and deposits/transfers to your account will function with a locked card.

Message and data rates may apply.

Active personalized card required. See Account Agreement for details.

Active personalized card required. Subject to other bank’s restrictions and fees. Limits, qualifications, and enrollment requirements may apply.

Mobile check deposit: Active personalized card, limits and other requirements apply. Additional customer verification may be required. Mobile check cashing: Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions, and Privacy Policy. Visit https://www.ingomoney.com/partners/greendot-terms-conditions/ for complete details. Limits apply.

Limits and fees may apply. See Account Agreement for details.

Active, personalized card required. Limits apply.

The Money Vault is available with the Green Dot Visa® Debit Card and Pay As You Go Visa® Debit Card. Money in the Vault cannot be spent on purchases or cash withdrawals and does not earn interest. Card balance limits apply.

The Green Dot High-Yield Savings Account is only available with the Cash Back Visa® Debit Card and the Unlimited Cash Back Bank Account. 2.00% Annual Percentage Yield (APY) is accurate as of May 2023 and may change before or after you open an account.

Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

Digital wallet feature not available for cards sold in Puerto Rico.

Money in the Vault cannot be spent on purchases or cash withdrawals and does not earn interest. To access and spend the money you have set aside, simply transfer it from your Vault back to your card. You may only transfer money in or out of the Vault 20 times per day. Card balance limits apply.

$1.50 per transaction fee. Other fees may apply.

Digital wallet feature not available for cards sold in Puerto Rico.

Cash back is earned on qualifying online and mobile purchases. Cash back cannot be used for purchases or cash withdrawals until redeemed. Claim the cash back every 12 months of use and your account being in good standing.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) is accurate as of October 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

See app for free ATM locations. $3 for out-of-network withdrawals, plus any additional fees the ATM owner or bank may charge. Limits apply.​

Digital wallet feature not available for cards sold in Puerto Rico.

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on eligible Demand Deposit Accounts. Log in to your account and refer to your Account Agreement to check feature availability.

Active personalized card required. See Account Agreement for details.

Limits and fees may apply. See Account Agreement for details.

Active personalized card required. See Account Agreement for details.

Deposit up to $500 for a $5.95 flat fee.

After the first monthly fee, the $7.95 monthly fee is waived whenever you direct deposit $500 or more in the previous monthly period. Other card fees apply.

Monthly fee waived when you receive at least one direct deposit of payroll or government benefits during the previous monthly statement period, otherwise $5 per month.

$1.50 per transaction fee. Other fees may apply.

Limits apply. See app for free ATM locations. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. For Green Dot Cash Back Visa Debit Card, 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter.

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing eligible direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on eligible Demand Deposit Accounts. Log into your account and refer to your Account Agreement to check feature availability.

Cash back is earned on qualifying online and mobile purchases. Cash back cannot be used for purchases or cash withdrawals until redeemed. Claim the cash back every 12 months of use and your account being in good standing.

Activated, chip-enabled GO2bank card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant. See Deposit Account Agreement for details.

Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your Green Dot account to prevent fraud restrictions on the account.

Interest is paid annually on the average daily balance savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) as of October 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.50% Annual Percentage Yield (APY) as of October 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Limits and fees apply. See app for participating retailers.​

Limits and up to $4.95 fee applies.​

Previously authorized transactions and deposits/transfers to your account will function with a locked card.

Message and data rates may apply.

Green Dot Cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. GO2bank card issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. These registered trade names are used by, and refer to, a  single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

Funds are protected from unauthorized charges on successfully activated cards. Prompt notice is required.

Fees and limits apply to debit card transfers. See Deposit Account Agreement for details at GO2bank.com.

Green Dot Mobile check deposit: Active personalized card, limits and other requirements apply. Additional customer verification may be required. Green Dot and GO2bank mobile check cashing: Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions, and Privacy Policy. Visit https://www.ingomoney.com/partners/greendot-terms-conditions/ for complete details. Limits apply. Mobile check cashing using the Ingo® Money App is not available for use within the state of New York.​

Active personalized card required. Subject to other bank’s restrictions and fees. Limits, qualifications, and enrollment requirements may apply.

Active personalized card required. Limits apply.

Activate your Card for FDIC insurance eligibility and other protections. Your funds will be held at or transferred to Green Dot Bank, an FDIC-insured institution. Once there, your funds are insured up to $250,000 by the FDIC in the event Green Dot Bank fails, if specific deposit insurance requirements are met and your Card is activated​. See fdic.gov/deposit/deposits/prepaid.html for details. Green Dot Cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. These registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.​

Contact Green Dot Bank by calling (866) 795-7597 or the number on the back of your Card, by mail at P.O. Box 1070, West Chester, OH 45071, or visit greendot.com.

For general information about prepaid accounts, visit cpfb.gov/prepaid. . If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 1-855-411-2372 or visit cfpb.gov/complaint.

Subject to other bank’s restrictions and fees.

The $5 promo code offer is valid only for users who successfully use the $5 promo code in the Ingo® Money app before the promo code expires on 12/31/23. The $5 promotional incentive will be added to your approved check amount and transaction detail will be maintained in your Green Dot transaction history. All checks subject to review for approval. Fees may apply. Visit https://ingomoneyapp.com/terms-conditions/ for complete details. Not valid with any other offer. Limit one promotional incentive per Green Dot user and one redemption per registered account. Offer value of $5.00 may only be added to your registered account and may not be redeemed for cash. Offer sponsored by Ingo Money. Green Dot does not endorse or sponsor this offer.

Ingo Money will provide all customer service for mobile check cashing using the Ingo Money App. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review usually takes 3-5 minutes but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be loaded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding use of your card or account. See your Cardholder Account Agreement for details. Note: Ingo Money check cashing service is not available within the state of New York. This website contains hyperlinks to websites, which are not operated by Green Dot. The Green Dot Bank Privacy Policy does not apply to the linked site and you should consult the Privacy Policy on that site for further information.​

© 2023 Ingo Money, Inc. All rights reserved.

Active personalized card​ required. Fees and limits apply.

Includes most Visa, Mastercard, and Discover cards.  For most cards, pay with cash by 6 PM EST for your transaction to post the next business day, excluding weekends and holidays.  Florida, Illinois, Minnesota, New Jersey, and West Virginia are excluded from Credit Card Bill Pay transactions.  Credit card must be active.  Other limits may apply.

Ingo Money will provide all customer service for mobile check cashing using the Ingo Money App. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms and Conditions and Privacy Policy. Approval review usually takes 3-5 minutes but may take up to one hour. All checks are subject to approval for funding in Ingo Money’s sole discretion. Fees apply for approved Money in Minutes transactions funded to your card or account. Unapproved checks will not be loaded to your card or account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding use of your card or account. See your Cardholder Account Agreement for details. Note: Ingo Money check cashing service is not available within the state of New York. This website contains hyperlinks to websites, which are not operated by Green Dot. The Green Dot Bank Privacy Policy does not apply to the linked site and you should consult the Privacy Policy on that site for further information.

© 2023 Ingo Money, Inc. All rights reserved.

Account funds are FDIC-insured up to the allowable limits through Green Dot Bank, Member FDIC upon verification of Cardholder’s identity. Coverage limit is subject to aggregation of all of Cardholder's funds held on deposit at Green Dot Bank.

Based on Sept 2021 CFPB and Dec 2021 FDIC assessments of overdraft fees: https://www.fdic.gov/resources/consumers/consumer-news/2021-12.html, https://files.consumerfinance.gov/f/documents/cfpb_overdraft-chart_2022-02.pdf

Based on Green Dot data as of May 2022.​

Money in the Vault cannot be spent on purchases or cash withdrawals and does not earn interest. Card balance limits apply.

Interest paid on money in the High-Yield Savings Account every 12 months based on the average daily balance of the prior 365 days, up to a maximum average daily balance of $10,000 if the account is in good standing. 2.00% Annual Percentage Yield. Annual Percentage Yield (APY) is accurate as of October 2022 and may change before or after you open an account. Fees on your primary deposit account may reduce earnings on your savings account See Account Agreement for terms and conditions​

The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Interest is paid annually on the average daily balance of savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) is accurate as of October 2022. APY may change before or after you open an account. See Account Agreement at GreenDot.com for terms and conditions.

Green Dot cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. And by Mastercard International Inc. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.  Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits.

Federal tax refund early availability depends on timing of Internal Revenue Service payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit of your federal tax refund may vary. The name and Social Security number on file with the Internal Revenue Service must match your Green Dot account exactly or we will decline your deposit.

Interest is paid annually on the average daily balance savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) as of October 2022. APY may change before or after you open an account. See Account Agreement for terms and conditions.

2.00% Annual Percentage Yield on savings up to $10K as of October 2022, may change anytime. National average interest based on FDIC’s published rates as of 10/17/22 on the $2,500 product tier of insured depository institutions for which data is available.

Active personalized card required. See Account Agreement for details.

Limits and fees may apply. See Account Agreement for details.

Interest is paid annually on the average daily balance of savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) is accurate as of March 2023. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.37% is determined by the FDIC as of 3/20/23. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.50% Annual Percentage Yield (APY) as of October 2022. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.21% is determined by the FDIC as of 10/17/22. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Early tax refund deposit applies to federal tax returns filed directly with the Internal Revenue Service (IRS) and depends on IRS timing, payment instructions and bank fraud prevention measures. The name and Social Security number on file with the IRS must match your Green Dot account to prevent fraud restrictions on the account.

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on eligible Demand Deposit Accounts. Log into your account and refer to your Account Agreement to check feature availability.

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt-in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid the fee. Learn more at http://www.greendot.com/overdraft.

Interest is paid annually on the average daily balance savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) as of January 2023. APY may change before or after you open an account. See Account Agreement at GreenDot.com for terms and conditions.

Message and data rates apply.

See app for free ATM locations. 4 free withdrawals per calendar month, $3.00 per withdrawal thereafter. $3 for out-of-network withdrawals and $.50 for balance inquiries, plus any fee the ATM owner may charge. Limits apply.

Annual Percentage Rate is 22.99% and is accurate as of 12/1/2022. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF).

Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.

Early direct deposit availability depends on payor type, timing, payment instructions, and bank fraud prevention measures. As such, early direct deposit availability may vary from pay period to pay period. The name and Social Security number on file with your employer or benefits provider must match your GO2bank account to prevent fraud restrictions on the account.

Interest paid quarterly on the average daily balance of savings during the quarter up to a $5,000 balance and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 4.50% Annual Percentage Yield (APY) as of March 2023. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions.

Not available to residents outside of the 50 States and DC.

Retail service fee and limits apply.

Activated, chip-enabled debit card required to use Ingo Money check cashing service. Ingo Money is a service provided by First Century Bank, N.A. and Ingo Money, Inc., subject to the First Century Bank and Ingo Money Terms & Conditions and Privacy Policy. Limits apply. Approval usually takes 3 to 5 minutes but can take up to one hour. All checks are subject to approval for funding in Ingo Money's sole discretion. Fees apply for approved Money in Minutes transactions funded to your account. Unapproved checks will not be funded to your account. Ingo Money reserves the right to recover losses resulting from illegal or fraudulent use of the Ingo Money Service. Your wireless carrier may charge a fee for data usage. Additional transaction fees, costs, terms and conditions may be associated with the funding and use of your card or account. See Deposit Account Agreement (PDF) for details. Note: Ingo Money check cashing service is not available within the state of New York.

Activated, personalized debit card required to make a bank transfer. Limits apply to bank transfers. Subject to your bank’s restrictions and fees.

Fees and limits apply to debit card transfers.

Activated, chip-enabled GO2bank card required to purchase eGift Cards. Active GO2bank account required to receive eGift Cards, eGift Card merchants subject to change, as well as the percentage of cash back from each merchant.

Interest is paid annually on the average daily balance of savings of the prior 365 days, up to a maximum average daily balance of $10,000 and if the account is in good standing. Fees on your primary deposit account may reduce earnings on your savings account. 2.00% Annual Percentage Yield (APY) is accurate as of January 2023. APY may change before or after you open an account. See Deposit Account Agreement (PDF) for terms and conditions. The average national savings account interest rate of 0.33% is determined by the FDIC as of 1/17/23. National rates are calculated based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Savings account rates are based on the $2,500 product tier of insured depository institutions for which data is available. Visit https://www.fdic.gov/regulations/resources/rates/ to learn more.

Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more

Limits apply. See app for participating retailers.

Your payroll, government benefits, unemployment or pension direct deposit of $250+ must post to card by 6/30/23, then a $20 credit will be applied to your account by the 15th business day of the month following your qualifying deposit. A qualifying new payroll or government direct deposit is defined as a direct deposit that has not appeared on an account within the past 30 days. One $20 credit per customer. Promotional credits are reported on form 1099-INT to the IRS.

Opt-in required. Account must be in good standing and chip-enabled debit card activated to opt in. Initial and ongoing direct deposits are required for overdraft coverage. Additional criteria may apply which can affect your eligibility and your overdraft coverage. Overdrafts are paid at our discretion. Overdraft fees may cause your account to be overdrawn by an amount that is greater than your overdraft coverage. A $15 fee may apply to each eligible purchase transaction that brings your account negative. Balance must be brought to at least $0 within 24 hours of authorization of the first transaction that overdraws your account to avoid a fee. Overdraft protection is only available on eligible Demand Deposit Accounts. Log in to your account and refer to your Account Agreement to check feature availability.