Looking for a higher yield potential than Marcus, Discover, Ally and Capital One?

We begin by opening two brokerage accounts with Atomic Brokerage.

The first account’s purpose is to facilitate the transfer of your cash to bank deposit accounts opened for you at ten FDIC member banks that participate in Atomic Brokerage’s bank sweep program (See participating banks). Each bank can provide FDIC protection up to $250,000 per account holder. By diversifying your funds among ten banks, a deposit up to $2.5 million can receive FDIC protection.

The second account will hold your investments at Pershing LLC, which is among the largest investment advisor custodians in the U.S. Each month, we will purchase investments in your selected portfolio, such as the S&P 500 Risk-Controlled portfolio, based on your prior month’s daily cash deposit. These investments will be placed in your investment account custodied at Pershing LLC.

When you open your Save account, we will recommend an investment portfolio. Options include our S&P 500 Risk-Controlled portfolio, Nasdaq 100 Risk-Controlled portfolio, or our diversified portfolios allocating across stocks, bonds, real estate, and other asset classes via ETFs. You will have the opportunity to choose the portfolio that is right for you.

From then on, as your deposit earns monthly investments, Save will fund investments in your selected portfolio. Learn More About Investments.

No. The Market Savings APY* is linked to an investment return. Just like any investment account, your returns are based on market fluctuation. The APY* presented is based on historical performance in the S&P 500 Risk-Controlled portfolio from 2009 to present with the understanding that in certain years the portfolio may have outperformed the APY*, and, in other years, it may have underperformed the APY* and even potentially returned 0%.

The big difference with Save is that your principal isn’t at risk because your deposit is placed in FDIC-insured accounts. Your Market Savings deposit is not encumbered, collateralized, or put at risk. Save does not utilize your deposit for anything else aside from placing it with FDIC insured banks to ensure capital protection.

As your deposit earns monthly investments, Save will fund investments in your selected portfolio. Your returns could be higher or lower than expected depending on the performance of the portfolio, but they can never be lower than zero. In other words, your APY* comes from the performance of those investments — and if they perform well, it goes up!

Save® only charges a fee when you get returns. If your returns do not exceed the management fee, the management fee is waived. More info on fees in Form ADV.

The answer to that question actually depends on your portfolio. During a bad year, you may earn a lower than average APY* — but, because many of our portfolios are dynamic, meaning that they respond to market conditions — that’s not always the case. The best way to stay on top of your APY* is by logging into your account. And remember that the worst possible return is 0%. Your actual deposit is not exposed to market risk.

Generally, the answer is yes, but the actual answer depends on your portfolio. Because your APY* is based on market-generated returns, if your investments perform really well, you can earn a higher APY than shown.

You can transfer funds to your Save account in three simple ways:

• You can send funds from your existing bank account’s online app.
• You can wire funds from your existing bank account.
• You can use the Save app.

Note that funds transferred into your account using Save's web or mobile app are subject to a 60-day hold period. After this period expires, you may withdraw these funds at any time. So, if you think that you may need your funds back quickly, it is better to send funds from your existing bank account app or to simply wire them.

Yes. If you need to withdraw your funds, you can do so by logging into your account online or in the mobile app. You can also request help by emailing us at support@joinsave.com or chatting with us through your app.

Note that funds transferred into your account using Save's web or mobile app are subject to a 60-day hold period. After this period expires, you may withdraw your funds at any time.

Yes! You can start a live chat or leave us a message and someone will get back to you asap.