New tiered rate system

Deposit more.
Unlock lower rates.

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.

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Tiered Rate System

How the tiered
rate system works

Your rate is determined by monthly deposit volume and consistency. Higher tiers unlock lower pricing and repeat qualification locks your best rate.

Everyone starts at base

All users begin at the standard rate tier. Your total deposits this month determine where you move next.

Deposit more during the month

Higher monthly deposit totals move you into better tiers with reduced transaction rates.

Lower rates apply automatically

When you reach a tier threshold, your reduced rate is applied to qualifying transactions for that period.

Consistency lock rule

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.

Tiered Rate System

Tier levels, deposit thresholds,
and rates

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
Your dashboard always shows your active tier and applied rate.
Rate Lock

How your best rate
gets locked in

Reach a top tier and maintain it for consecutive months. Your lowest qualified rate becomes your automatic starting rate.

Month 1

Reach a top tier

Your monthly deposits qualify you for a higher tier with a reduced rate.

Example rate: 8%
Month 2

Qualify again

You maintain the same tier by reaching the required deposit volume again.

Same tier maintained
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Tiered Rates FAQ

Tiered rate system
questions

Clear answers about deposit tiers, percentage rates, qualification rules, and how your best rate becomes locked.

How is my tier determined?

Your tier is based on your total completed deposits within a calendar month. Higher monthly deposit volume qualifies you for lower percentage rates.

When does my reduced rate start?

Your reduced rate applies automatically after your deposits cross a tier threshold. It applies to qualifying transactions from that point forward.

Do tiers reset every month?

Yes. Tier qualification is measured each calendar month. Consistent qualification across months can lock your best rate.

What deposits count toward my tier?

Only successfully completed and settled deposits count toward your monthly tier total. Failed or reversed transactions are excluded.

How do I lock in my lowest rate?

Maintain the same qualifying top tier for consecutive months. After meeting the consistency requirement, your best rate becomes your default rate.

What if my deposit volume drops later?

Your active tier adjusts based on that month's deposit volume. Locked rates follow the program's consistency rules.

Can tier percentages change?

Yes. Tier thresholds and percentage rates may be updated over time. Your dashboard always shows your current applied rate.

Where can I see my current tier and 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.

Tier Support

Questions about you tier or rate?
Text Lisa anytime.

Get help with tier thresholds, percentage rates, monthly qualification, and rate lock rules. Send a text and Lisa will guide you step by step.

Lisa · Tier Support
Tiered Rate System

Deposit more.
Qualify faster.
Unlock lower rates.

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.

Get started and qualify

Tier qualification is based on completed deposits per calendar month. Percentage rates and thresholds may change. Locked rates require consistent qualifying activity under program rules.