No minimum balance needed
INSUREDInsured 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.
APYs based on eligibility. Terms and conditions apply.
APYs based on eligibility. Terms and conditions apply.
“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.
APYs based on eligibility. Terms and conditions apply.
APYs based on eligibility. Terms and conditions apply.
# 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 deposit accounts earn a 2.02% APY. Customers may earn higher APYs based on qualifying activity during the statement cycle. A 3.05% APY is available when an active Zolve Credit Card is maintained in good standing. A 4.08% APY is available with at least $250 in qualifying direct deposits are received during the same statement cycle. A 5.13% APY is available when all of the following criteria are met during the same statement cycle: (i) an active Zolve Credit Card in good standing is maintained, (ii) a valid SSN or ITIN is on file, and (iii) at least $250 in qualifying direct deposits are received. The applicable APY is determined based on qualifying activity during each statement cycle. The account must remain open, active, and in good standing to earn interest at the disclosed rates.
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.
Zolve Innovations, Inc. 101 Eisenhower Parkway, Suite 300 Roseland, NJ 07068
