Saving Rate
10X the National Average
Overdraft Protection
up to $200 with opt-in and eligible direct deposits
Monthly Fee
$0 whenever you receive a payroll or government benefits direct deposit in the previous monthly statement period, otherwise $5 per month
Activation Fee
Direct Deposit Fee
$0 In-network withdrawal & balance inquiry, $3 Out-of-network withdrawal, $0.50 Out-of-network balance inquiry.

Offer Overview

  • Get your pay up to 2 days early with ASAP Direct Deposit
  • Overdraft protection up to $200 with opt-in and eligible direct deposits
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn over 10x the national savings rate average. 1% APY paid quarterly on savings up to $5,000.
  • Earn up to 7% cash back when you buy eGift Cards in the app
  • Earn 3% instant cash back when you buy Amazon eGift Cards in the app

At a Glance

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.