Deposit account
Premium Savings that rewards every dollar
A tiered high-yield savings account with no monthly maintenance fee, unlimited inbound transfers and same-day internal moves to your brokerage account.
- Top tier APY
- 4.85%
- Minimum to open
- $0
- Monthly fee
- $0
Premium Savings — current tiers
Live · refreshes automatically| No published tiers. | ||||
Rates are indicative, variable, and subject to change. Fees shown exclude third-party charges.
Eligibility
- 18 years or older with a valid US Social Security Number or ITIN.
- US residential mailing address; PO boxes accepted only with a verified street address.
- Successful identity verification, including a government photo ID and selfie match.
- One Premium Savings account per primary account holder; joint owners permitted.
- Funding within 30 days of approval by ACH, wire or internal transfer.
Fees & charges
- Monthly maintenance
- $0
- Minimum balance fee
- $0
- Incoming ACH / wire
- $0
- Outgoing domestic wire
- $15
- Excessive withdrawals (over 6/cycle)
- $5 each
- Paper statements
- $3 per statement
Disclosures
- Annual Percentage Yield (APY) is accurate as of the date displayed and is variable; it may change at any time before or after account opening without notice.
- APY tiers apply to the portion of the daily collected balance within each tier. Interest is compounded daily and credited monthly.
- Fees may reduce earnings. Deposit accounts are insured by the FDIC up to applicable limits.
- Federal regulations and our deposit agreement may limit certain withdrawals and transfers; excessive activity may result in fees or account conversion.
- Unicorn Investment & Securities is an equal housing lender and a Member FDIC institution.