Grasshopper
Unlimited interest & cash back
4.3
4.3
MoneyAtlas
Rating
Earn up to 3.30% APY
Get unlimited 1% cashback on everyday debit card purchases
No overdraft or monthly maintenance fees
Pros
1% cash-back debit card: Maintain a $10k+ average balance, and every purchase earns 1% back
Up to 3.30% APY: Idle funds between roughly $25k–$250k collect market-leading interest
Zero monthly fees: After the $100 opening deposit, ACH and debit transactions stay free and uncapped
Cons
Wire fees: Each domestic wire costs $10, international $25
No cash deposits: The branch-free bank only accepts checks and electronic transfers