Active direct deposit earns you 1.25% APY on your SMBS account. if you do not have an active direct deposit, you will still earn 0.70% APY, 23x the national average.
NOTE: There is no minimum direct deposit amount required for the 1.25% APY or 2-Day Early Paycheck, however, we do require $1,000 of monthly direct deposit inflows to unlock No-Fee Overdraft Coverage.