The Good
- High-Yield APY
- No Monthly Fees
- Cash Back Rewards
- Crypto Integration
- ATM Access
High-Yield APY
Earn up to 5% APY on balances up to $10,000 with the Metal plan; 3% APY on balances from $10,000 to $250,000.
No Monthly Fees
No monthly account fees or foreign transaction fees.
Cash Back Rewards
Up to 5% cash back at five selected brands (e.g., Amazon, Netflix, Starbucks); up to 10% back when spending USDC.
Crypto Integration
Option to buy and sell cryptocurrencies directly from your account.
ATM Access
Free ATM withdrawals from out-of-network ATMs (1 per month for Basic plan; 3 per month for Metal plan).
The Bad
- Direct Deposit Requirement
- Cash Back Limitations
- Limited Account Types
- Customer Service Concerns
Direct Deposit Requirement
Must set up at least $250 in monthly direct deposits to unlock the Metal plan's higher APY and additional benefits.
Cash Back Limitations
Cash-back rewards are capped at $3,000 in eligible annual spending for the Metal plan.
Limited Account Types
No savings accounts or retirement account options available.
Customer Service Concerns
Some users have reported issues with customer support responsiveness.
