We partner with banks that don't have bloated marketing budgets and real estate expenses, allowing us to pass on 20-100x more value on your savings to you than Wells Fargo and Chase can in the form of a monthly savings bonus plus prizes.

The realized APY takes your month's winnings plus savings bonus in that month and extrapolates that to an APY basis, based on how much you have in deposits. The savings bonus is paid every first of the month, at a 0.20% APY rate. The 0.20% is an annual figure, so divide by 12.

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