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SmartyPig is an online bank that is set up to help guide customers to earn more with their Savings. Operating strictly online, they can offer better rates than traditional banks and without any fees.
A SmartyPig account is set up essentially like your usual FDIC insured Savings account, with the federally-mandated limitation of six withdrawals per statement cycle. SmartyPig deposits are held and insured through Sallie Mae Bank.
While not market leading when compared to other nationally available accounts, SmartyPig typically earns a respectable rate. One advantage for SmartyPig account holders is the available referral program, where you can earn $10 per qualified referral, up to $1,000 max.
Be sure to compare SmartyPig’s rates against the top Savings Accounts here.
See our bank offers page for more offers. Top offers can be found from TD Bank, Chase Bank, HSBC Bank, Aspiration, Huntington, Bank of America and many more.
Member FDIC
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Member FDIC
SmartyPig Bonus: $10 Per Referral, Up To $1,000
Once you’ve got an account with SmartyPig open, you can start making $10 per qualified referral, up to $1,000 maximum.
- You must submit your friend’s email address on the referral form on the SmartyPig website, via the link SmartyPig sends you, or your friend must apply using a valid Program code.
- Your referrals must open a SmartyPig Account and fund with at least $25 within 30 days of receiving the invite.
- The $10 reward will be deposited into your SmartyPig Account within 90 days of completion of the requirements.
- Maximum of 100 referrals (up to $1,000) per Accountholder per calendar year
- The Program is open to all SmartyPig Deposit Accountholders who are aged 18 years or older and have an open and active SmartyPig Account at the time of referral (“Eligible Client”)
- The Referree must not currently have an open and active SmartyPig Account at the time of referral or have had a SmartyPig Account in partnership with Sallie Mae Bank within the last 6 months before referral (“Existing SmartyPig Customers”).
- New SmartyPig Accounts opened by Existing SmartyPig Customers will not qualify for this Program.
- The Referree may have other Sallie Mae Bank deposit accounts.
SmartyPig Savings Account: 0.70% APY* (Nationwide)
- *Rate Tiers:
- Up to $10k: 0.70% APY
- $10k-$250k: 0.45% APY
- There’s No Monthly Service charge
- The minimum balance to open the account is $1.
- The minimum balance required to earn the APY is only $1
- Accounts are FDIC insured up to the maximum limit
- Available nationwide – online application
- Fund the account from an external bank
- Access your account online 24/7
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