No tiered APY, no hidden fees, no "qualifying activity." Everything below is what you'll actually pay.
| Feature | Personal | Plus | Business |
|---|---|---|---|
| Savings & Banking | |||
| Savings APY | 4.80% | 5.25% | 5.10% |
| Monthly fee | $0 | $9 | $29 |
| Overdraft fee | $0 | $0 | $0 |
| ATM withdrawals (US) | Free | Free | Free |
| Out-of-network ATM | $2 | Reimbursed | Reimbursed |
| Transfers | |||
| Domestic ACH | Free | Free | Free |
| Domestic wire | Free | Free | Free |
| International wire | $15 | Free | Free |
| USDC transfer | Network fee | Network fee | Network fee |
| FX margin | 0.5% | 0.3% | 0.2% |
| Investing | |||
| Stocks & ETFs commission | $0 | $0 | $0 |
| Crypto trading fee | 0.20% | 0.15% | 0.15% |
| Options contracts | — | $0.50/ea | $0.50/ea |
| Tax-lot specific ID | — | ✓ | ✓ |
| Card | |||
| Cash back (everyday) | 2% | 2% | 1.5% |
| Cash back (dining & travel) | 2% | 3% | 2% |
| Foreign transaction fee | 0% | 0% | 0% |
We don't run branches, ship glossy statements, or pay for Super Bowl ads. Our operating cost per account is a fraction of a legacy bank's — and we pass those savings back as yield. Your deposits are swept across our network of partner banks for FDIC coverage up to $2M.
Cash balances are insured by the FDIC through our partner banks, up to $2M via our sweep program. Investment assets are SIPC-protected up to $500k. Crypto is not FDIC or SIPC insured — we hold it in segregated, regulated custody with Anchorage Digital.
Cancel anytime in two taps, no retention call. Your account automatically rolls back to Personal tier at the end of the billing cycle — no fees, no friction, all your data and history intact.
Interchange on card spending, net interest margin on cash (the difference between what we earn on reserves and what we pay you), the 0.20% crypto fee, subscription tiers, and business accounts. No payment-for-order-flow, no advertising, no selling data.
Yes — ACATS for stocks and ETFs (typically 5–7 business days, cost basis transfers too), and direct wallet-to-wallet transfer for crypto. We reimburse up to $75 in outbound transfer fees from your previous broker.