Pros
Early Direct Deposit Access: Get your paycheck up to 2 days earlier through direct deposit, providing faster access to your funds
Extensive ATM Network: Access to over 95,000 fee-free ATMs nationwide, plus up to $10 monthly reimbursement for out-of-network ATM fees
High APY with Simple Requirements: Earn 4.66% APY on savings and 0.51% APY on checking
Cons
Limited Payment Integration: No native Zelle integration within the banking platform
Balance-Dependent Interest: Interest rates drop significantly (to 1.00% APY for savings and 0% for checking) if monthly requirements aren't met
Cash Deposit Limitations: Cash deposits are only possible at participating ATMs or Green Dot Network® retailers