Financial Institution	Account Architecture	Current 2026 Target Yield	Primary Optimization Rule
Axos Bank	ONE Bundle	Up to 4.21% APY	Requires qualifying direct deposits and linked debit usage
CIT Bank	Platinum / Platinum Boost	Up to 4.10% APY	Maintains a $5,000 minimum balance profile
SoFi Bank	Checking & Savings	Up to 4.00% APY	Includes a 6-month promotional boost with direct deposit
Vio Bank	Online Savings	Up to 4.03% APY	No monthly fees; applies to your entire account balance
LendingClub	High-Yield Savings	Up to 4.00% APY	$0 minimum balance requirement to sustain the yield

Financial Institution	Account Architecture	Current 2026 Target Yield	Primary Optimization Rule
Axos Bank	ONE Bundle	Up to 4.21% APY	Requires qualifying direct deposits and linked debit usage
CIT Bank	Platinum / Platinum Boost	Up to 4.10% APY	Maintains a $5,000 minimum balance profile
SoFi Bank	Checking & Savings	Up to 4.00% APY	Includes a 6-month promotional boost with direct deposit
Vio Bank	Online Savings	Up to 4.03% APY	No monthly fees; applies to your entire account balance
LendingClub	High-Yield Savings	Up to 4.00% APY	$0 minimum balance requirement to sustain the yield

Financial Institution	Account Architecture	Current 2026 Target Yield	Primary Optimization Rule
Axos Bank	ONE Bundle	Up to 4.21% APY	Requires qualifying direct deposits and linked debit usage
CIT Bank	Platinum / Platinum Boost	Up to 4.10% APY	Maintains a $5,000 minimum balance profile
SoFi Bank	Checking & Savings	Up to 4.00% APY	Includes a 6-month promotional boost with direct deposit
Vio Bank	Online Savings	Up to 4.03% APY	No monthly fees; applies to your entire account balance
LendingClub	High-Yield Savings	Up to 4.00% APY	$0 minimum balance requirement to sustain the yield

Financial Institution	Account Architecture	Current 2026 Target Yield	Primary Optimization Rule
Axos Bank	ONE Bundle	Up to 4.21% APY	Requires qualifying direct deposits and linked debit usage
CIT Bank	Platinum / Platinum Boost	Up to 4.10% APY	Maintains a $5,000 minimum balance profile
SoFi Bank	Checking & Savings	Up to 4.00% APY	Includes a 6-month promotional boost with direct deposit
Vio Bank	Online Savings	Up to 4.03% APY	No monthly fees; applies to your entire account balance
LendingClub	High-Yield Savings	Up to 4.00% APY	$0 minimum balance requirement to sustain the yield