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.
“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
Stay in control of your money at all times.
# Annual Percentage Yields (APYs) are accurate as of [10/01/2025] and may change at any time without notice. Fees may reduce earnings. No monthly maintenance fee. No minimum balance required.
APY Structure
2.02% APY on all deposits.
Up to 5.13% APY available through relationship-based rewards:
3.05% APY when you maintain an active Zolve Credit Card in good standing.
4.08% APY when you receive $250 or more in qualifying direct deposits within the statement cycle.
5.13% APY when you meet both the credit-card and direct-deposit criteria in the same cycle.
To earn any APY tier, the account must remain open, active, and in good standing throughout the statement cycle.
1 ATM access is provided through 60,000+ Allpoint ATMs. Zolve does not charge ATM fees, but out-of-network fees and operator surcharges may apply.
