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    Get up to 5.13% APY

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Open a Zolve US bank account easily on mobile without SSN for newcomers to the US.Open a Zolve US bank account easily without SSN for newcomers to the US.Zolve banking solution for managing a US bank account from anywhere.

Returns that feel crazy good

up to

5.13%

APY#
Open a Zolve US bank account easily without SSN for newcomers to the US.

No minimum balance needed

APYs based on eligibility. Terms and conditions apply.
FDICINSURED

Insured up to

$250,000

through our partner bank

*This calculator is for illustration purposes only and may not reflect your actual earnings. Illustration assumes the customer qualifies for the maximum 5.13% annual percentage yield (APY). Actual earnings will depend on account activity and may be lower. Competitor rates are based on publicly available sources as of 11/01/25 and may change at any time. Comparisons are based on publicly available information (August 2025). National average, Bank of America, Chime.

How to earn the 5.13% APY#

Condition
Interest Rate
APY
Standard (no conditions)
2.00%
2.02%
With an active Zolve Credit Card in good standing
3.00%
3.05%
With one or more direct deposits totaling more than $250 in the same statement cycle
4.00%
4.08%
  1. An active Zolve Credit Card in good standing
  2. Direct deposits totaling more than $250 in the same statement cycle
5.00%
5.13%

APYs based on eligibility. Terms and conditions apply.

fees

No joining fee
No minimum balance
No hidden fee ever

Oh wait! There's no incoming wire transfer fee too.
Zolve60,000+
Chase15,000
Bank of America15,000
Wells Fargo15,000
decorative

4x more ATMs
than the top 3 banks

No ATM withdrawal fees at
60k+ Allpoint1 ATMs
Source: Nerdwallet

APYs based on eligibility. Terms and conditions apply.

Our users love us

John Paul Philips
Varun G
Vastu Varty
Djokovic
Pawan Kumar
John Paul Philips
Varun G
Vastu Varty
Djokovic
Pawan Kumar

“Zolve helped me obtain my first credit card easily without even the SSN, while all other banks were hesitant to.”

John Paul Philips

“Loved the onboarding experience with Zolve, it barely took any time at all.”

Varun G

“I felt so relaxed for having being introduced to a product like Zolve. It really took away all my worries.”

Vastu Varty

“The process of getting a bank account was incredibly seamless and hassle-free.”

Djokovic

“I was able to use Zolve from the very first day I landed in the U.S. and it was very helpful.”

Pawan Kumar

“Zolve helped me obtain my first credit card easily without even the SSN, while all other banks were hesitant to.”

John Paul Philips

“Loved the onboarding experience with Zolve, it barely took any time at all.”

Varun G

“I felt so relaxed for having being introduced to a product like Zolve. It really took away all my worries.”

Vastu Varty

“The process of getting a bank account was incredibly seamless and hassle-free.”

Djokovic

“I was able to use Zolve from the very first day I landed in the U.S. and it was very helpful.”

Pawan Kumar

Bank with confidence

Stay in control of your money at all times.

FDIC Logo
Up to $250,000 FDIC insurance on deposits
Freeze & Unfreeze
Freeze or Unfreeze your card with a tap
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Trusted by 150K+ users across credit card & banking products

APYs based on eligibility. Terms and conditions apply.

Let your money do the heavy lifting!

Join thousands earning more with Zolve.

APYs based on eligibility. Terms and conditions apply.

DISCLOSURE

# Annual Percentage Yields (APYs) are accurate as of 01/06/2026 and are subject to change at any time without notice. Fees may reduce earnings. No minimum balance is required. No monthly maintenance fee applies.

A valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required to earn interest and receive the disclosed APYs.

Eligible accounts opened and maintained in good standing earn a base 2.02% APY. Additional APY bonuses may be earned based on qualifying activity during each statement cycle:

  • Earn an additional 1.03% APY when maintaining an active Zolve Credit Card in good standing;
  • Earn an additional 2.06% APY when at least $250 in qualifying direct deposits are received during the same statement cycle and a valid SSN or ITIN is on file.

Customers who satisfy all qualifying criteria during the same statement cycle may earn up to 5.13% APY.

The applicable APY is determined based on qualifying activity during each statement cycle. Qualification criteria must be satisfied during the applicable statement cycle to earn the corresponding APY. The account must remain open, active, and in good standing to earn interest.

Zolve Innovations Inc. is a financial technology company, not a bank or lender. All Zolve banking services are provided by our partner bank Continental Bank, Salt Lake City, UT, Member FDIC. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category. All cards are issued pursuant to a license from Mastercard. Cards may be used everywhere Mastercard debit or credit cards are accepted.