Active direct deposit earns you 3.75% APY on your SMBS account. if you do not have an active direct deposit, you will still earn 1.20% APY, 24x the national average.
NOTE: There is no minimum direct deposit amount required for the 3.75% APY or 2-Day Early Paycheck, however, we do require $1,000 of monthly direct deposit inflows to unlock No-Fee Overdraft Coverage.