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INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

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Financial Advice Disclosure: This article and the comparison table are not personal financial advice. While we provide information resources and educational pieces, the content here is not a substitute for personal financial guidance from a registered financial advisor.

Acorn Lux, LLC is not an investment advisor and does not provide personalized advice, brokerage services, or recommendations to buy or sell particular stocks or securities.

Advertiser Disclosure: Many of the listings that appear on this site are from advertisers. This website receives compensation from these advertisers. How and where products appear on this site (including, as an example, the order they appear in) may be effected by this compensation. The offers presented on this site do not represent all products available. The Federal Deposit Insurance Corporation insures Bank and thrift deposits up to $250,000. The National Credit Union Administration insures Credit Union deposits up to $250,000. Many banks and credit unions may show different rates on their own websites. If you have a complaint about the institution you choose or believe you have received an inaccurate quote, please let us know immediately.

Editorial Disclosure: Our editorial team has written content that has not been provided or commission by any partner or financial institution. The opinions, thoughts, reviews or recommendations expressed in any editorial content or article mention are solely those of our editorial team.

Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Mastercard, Mastercard Global Service, and the circles design are registered trademarks of Mastercard International Incorporated.

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Western Alliance Bank APY Disclosure

^ⓘ The annual percentage yield (APY) is accurate as of March 20, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY.

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Discover^® Cashback Debit: Cash Back Disclosure

^* See Deposit Account Agreement for details on transaction eligibility, limitations, and terms.

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Upgrade Rewards Checking Plus Disclosure

Rewards Checking Plus customers who set up monthly direct deposits of $1,000 or more earn 2% cash back on common everyday expenses at convenience stores, drugstores, restaurants and bars – including deliveries – and gas stations, as well as recurring payments on utilities and monthly subscriptions including phone, cable, TV and other streaming services, and 1% cash back on all other debit card purchases. 2% cash back is limited to $500 in rewards per calendar year; after $500, customers earn 1% cash back on all eligible debit card purchases for the remainder of the year. Rewards Checking Plus accounts with less than $1,000 in monthly direct deposits 60 days after account opening will earn 1% cash back on common everyday expenses and 0.50% cash back on all other eligible debit card purchases. Some limitations apply. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.

There are no overdraft fees or annual fees. Optional out-of-network ATM withdrawals are subject to a fee of $2.50, plus any third-party fees. Debit card transactions with merchants outside the U.S. or in a foreign currency are subject to a 3% fee. Outbound domestic wire transfers are subject to a fee of $20 after your first fee-free transfer per calendar month. Please refer to the applicable Cross River Bank Checking Deposit Account Agreement and Upgrade Visa® Debit Card Agreement and Disclosures for more information.

Early direct deposit requires set up of recurring electronic direct deposit from your employer, payroll, or benefits provider and is limited to direct deposits under $5000. Early access to direct deposit funds depends on the timing in which we receive notice of impending direct deposit, which is generally up to two days before the scheduled deposit date.

Active Accounts with a monthly direct deposit of $1000 are eligible for additional benefits on Rewards Checking Plus such as additional cash back rewards and more. See the Active Account page for more information.

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State Disclosure:

- Openbank High Yield Savings is currently available to individuals who reside in the 50 states and the District of Columbia.

General Disclosure:

- - *Interest Rates and Annual Percentage Yields (APYs) are accurate as of 12:01 am Eastern Time April 18, 2025. The products and rates we offer may vary between locations, are available in select markets only, and are subject to change without notice. Rate for this product will be based on the residential zip code entered when account is opened within online application process. This is a variable-rate account and the rate applicable to your balance tier may change at any time without notice. A minimum deposit of $500 is required to open a Openbank High Yield Savings account. Personal accounts only. Openbank is a division of Santander Bank, N.A. Member FDIC. There is a maximum of $250,000 of deposit insurance from the FDIC per depositor for each category of account ownership. Visit FDIC.gov for details. Deposits at Santander Bank, N.A., and Openbank are combined for the purposes of calculating FDIC insurance limits (FDIC Cert #29950) and are not separately insured.