*^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
**APY% Disclaimer. Marygold & Co. is a free debit and associated savings account with no monthly maintenance fee, a $0 minimum balance requirement to open the account, and is FDIC insured up to the maximum allowed. Annual Percentage Yield (APY%) rates may change after the account is opened. Log into your account via the app for current rates. Fees may reduce earnings.