Earn more on your Spending

We offer 0.50% APY¹ on your Spending Account. That’s 10x³ the national average!

The Balboa Spending Account offers you a variable rate of 0.50% APY¹ and there’s no minimum balance requirement! On top of that, our Automatic Spending features help you grow your Spending faster: Round Ups Save money every time you make a purchase or pay a bill with your Visa® Debit Card. Round Ups automatically round up transactions to the nearest dollar and transfers the Round Up from your Spending Account into your Spending Account. Save When I Get Paid Save When I Get Paid makes it easy to automatically start saving money with every paycheck so you can achieve your financial goals faster. You can automatically transfer 10% of your direct deposit of €500 or more into your Spending Account.