Exxus One Review-Best High Production Checking and Savings Bundle?

In an era where most of the checking accounts are not interested in, ASOS ONE Standing a bundle solution that connects high yield saving and earning interest earning into the same, fee -free package. This latest product from San Diego -based Exoes Bank transforms everyday banking opportunities for digitally safe consumers.

Unlike traditional banks that treat checking and savings as separate products, Exceus One connects both accounts without interruption, which allows consumers to manage their full cash flow from the same platform, while providing competitive production on both transactions and savings balance.

Key features

• Tired interest rate structure. Get 4.51 % APY and 0.51 % APY on savings when meeting the monthly requirements. To qualify for promotional rates, either select: (1) $ 1,500+ directly with a daily balance of $ 1,500 with a daily balance, or (2) in qualifying reserves with an average balance of $ 5,000+ more than $ 5,000. Without meeting the requirements, the savings get 1.00 % APY base rate and the check is nothing.
• Full -free banking. Zero monthly maintenance fees, minimum balance requirements, account opening fees, or over draft fees. This account pays up to $ 10 a month to ATM fees outside the network and provide 95,000+ fee -free ATM access nationwide.
• Access to the initial direct deposit. When you compose direct deposits, pay for two days, providing access to your funds soon for bills, purchases, or interest.
• Integrated digital platform. Manage both checks and savings from a mobile app with smooth transfer, bill payment automation, external account linking, and real -time monitoring of budget tools and costs.
• Extended FDIC Insurance. Beyond the standard, 000 250,000 individual coverage, Excel Bank Insurance Guard+ Introducing Network Reserved savings extend access to $ 265 million access.

Benefits

1. Extraordinary savings rate. At 4.51 % APY, the savings rate is the national average of 0.40 %. The balance of $ 10,000 annually earns 1 451 at an average rate, compared to just $ 40.
2. Checking interest earnings. Unlike most zero -earning checking accounts, the Exxus One pays 0.51 % APY to check the balance, converts the amount of useless transaction into an asset to earn.
3. Zero fee structure. The complete absence of monthly maintenance, minimum balance, over draft, and account opening fees means 100 % of your pocket interest income. Average of traditional banks. 12-15 monthly fees are priced at 144-180.
4. Flexible qualification options. The two routes to the promotional rate adjust both stable W-2 employees with variable income with regular pay checks and freelancers that can meet the higher deposit doorstep.
5. Large ATM Network. 95,000+ fees free ATM access exceeds Chase (15,000), Bank of America (15,000), and Wells Fargo (15,000), making it easier to access cash nationwide.
6. Access to the initial salary. Paying for two days provides financial flexibility to avoid late fees or smooth cash flow during strict periods.
7. Single platform simplicity. The management of both accounts from an integrated platform eliminates the complexity with instant transfer, unified date and stable statements.

Disturbance

1. Strict monthly requirements. For this month, savings once also leaves APY by 1.00 %. Consumers with irregular income or those who do not collect directly cannot access high rates.
2. No physical branches. Online only means banking, helping personally for service, notary services, safe deposit boxes, or complex transactions.
3. Cash deposit fee. Cash reserves by Green.com partner retailers cost $ 4.95 each. For consumers to regularly handle cash, fees accumulate rapidly.
4. Customer service issues. Consumer studies often mention the phone’s long -awaited times, difficulty in reaching out to know representatives, and contradictory standards of support.
5. Limited banking services. A specially focused on checking and savings. CDS, mini market accounts, or credit card users need to open separate accounts.
6. Mobile app limits. Some consumers report that the app feels old with occasional digital banks and with burden times.

The last word

ASOS ONE Digitally knows the extraordinary price for consumers who can permanently meet the monthly qualification requirements. The collection of 4.51 % APY on savings and scrutiny significantly improves traditional banks with 0.51 % APY, zero fee and 95,000+ ATMs.

This account works best for W-2 employees, with regular direct reserves more than $ 1,500 that maintains healthy checking balance. For this settlement data, the Exceus One provides top -tear returns without hoping. However, irregular income users, who often collect cash, or anyone need personal banking, should carefully weigh it whether the benefits of the rate justify operational obstacles and customer service limits.