Everyone starts at base
All users begin at the standard rate tier. Your total deposits this month determine where you move next.
Your monthly deposit volume determines your pricing tier. Higher and consistent deposits qualify you for reduced rates and qualifying months automatically lock in your best rate.
Your rate is determined by monthly deposit volume and consistency. Higher tiers unlock lower pricing and repeat qualification locks your best rate.
All users begin at the standard rate tier. Your total deposits this month determine where you move next.
Higher monthly deposit totals move you into better tiers with reduced transaction rates.
When you reach a tier threshold, your reduced rate is applied to qualifying transactions for that period.
Maintain the same qualifying tier for consecutive months and your reduced rate becomes your default starting rate going forward even at the beginning of the month.
Your total monthly deposits determine your rate tier. Higher tiers receive lower percentage rates automatically.
| Tier | Monthly deposit volume | Rate | Who it applies to | Notes |
|---|---|---|---|---|
| Base | $0 – $999 | 11% | All new users | Default starting rate |
| Tier 2 | $1,000 – $4,999 | 10% | Mid volume | Auto-applied when reached |
| Tier 3 | $5,000 – $14,999 | 9% | High volume | Better pricing tier |
| Tier 4 | $15,000+ | 8% | Top tier | Best monthly rate |
| Locked | Top tier × 2–3 months | 6% | Consistency qualified | Becomes default rate |
Reach a top tier and maintain it for consecutive months. Your lowest qualified rate becomes your automatic starting rate.
Your monthly deposits qualify you for a higher tier with a reduced rate.
Example rate: 8%You maintain the same tier by reaching the required deposit volume again.
Same tier maintainedYour best qualified rate is now your default rate at the start of each new month.
Locked rate: 6%Reviews below are collected and hosted by Trustpilot, an independent third-party review platform.
Clear answers about deposit tiers, percentage rates, qualification rules, and how your best rate becomes locked.
Your tier is based on your total completed deposits within a calendar month. Higher monthly deposit volume qualifies you for lower percentage rates.
Your reduced rate applies automatically after your deposits cross a tier threshold. It applies to qualifying transactions from that point forward.
Yes. Tier qualification is measured each calendar month. Consistent qualification across months can lock your best rate.
Only successfully completed and settled deposits count toward your monthly tier total. Failed or reversed transactions are excluded.
Maintain the same qualifying top tier for consecutive months. After meeting the consistency requirement, your best rate becomes your default rate.
Your active tier adjusts based on that month’s deposit volume. Locked rates follow the program’s consistency rules.
Yes. Tier thresholds and percentage rates may be updated over time. Your dashboard always shows your current applied rate.
Your dashboard displays your current tier, monthly progress, and the percentage rate applied to your transactions.
Tier qualification is based on completed deposits only. Program rules may update over time.
Get help with tier thresholds, percentage rates, monthly qualification, and rate lock rules. Send a text and Lisa will guide you step by step.
Increase your monthly deposit volume to move into better pricing tiers. Maintain your tier consistently and your lowest rate becomes your default. The system updates automatically no manual enrollment required.
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