Pros
Relationship APY up to 3.50 %: Link a Smartly® Checking or Visa card to unlock the top tier
Overdraft protection options: The account offers free overdraft protection transfers from a linked deposit account and a $50 overdrawn balance threshold before fees apply
Built-in auto-saving tools: Goal Tracker and Easy Save sweep micro-transfers automaticall
Cons
Yield can change anytime: APY is variable at U.S. Bank’s discretion