Centime with AI
Your AR Team Should Not Be Spending Half Their Day Chasing Invoices.
Centime automates the full accounts receivable cycle, from invoice delivery through cash application, embedded directly inside NetSuite, Sage Intacct, or QuickBooks, with most teams live in 7-21 days.
Fully
embedded in:
embedded in:
Why Do Finance Teams Choose Centime AR?
Reduce DSO by 30%+
Automated reminders and configurable workflows accelerate collections without adding headcount or burning customer relationships.
100% ERP-Native
Centime runs inside NetSuite, Sage Intacct, and QuickBooks. No middleware, no sync layer, no duplicate data entry required.
Live in 7-21 Days
Most mid-market teams are fully operational in under three weeks, with Centime's onboarding team handling all ERP configuration.
Full-Cycle Coverage
Invoice delivery, collections, customer payments, and cash application: all automated end-to-end in a single platform.
One-Click Customer Payments
A branded payment portal lets customers pay instantly by card or ACH, with no account creation required, driving faster adoption.
Rules Your Way
Configure automation by customer segment, aging bucket, invoice amount, or risk tier. The workflow matches your process, not the other way around.
What Is AR Automation Software?
AR automation software replaces the manual tasks that slow down your accounts receivable cycle (invoice delivery, payment follow-up, collections outreach, and cash application) and replaces them with automated workflows that run inside your ERP without human intervention.
For most mid-market finance teams, invoices are generated in the ERP but sent one by one via email; payment reminders live in a spreadsheet or someone's inbox; collections calls happen based on whoever the AR manager has time to contact; and incoming payments are matched to invoices by hand at month-end. The result is a DSO that is 15-30 days longer than it needs to be, and an AR team spending the majority of their time on work that produces no strategic insight.
AR automation software solves this by automating each step in sequence: invoices go out the moment they are created in the ERP, reminders follow a configured cadence based on aging and customer segment, customers pay through a self-service portal, and cash is applied to open invoices using AI-powered matching. The outcome is faster cash collection, lower Days Sales Outstanding, and a finance team that manages exceptions rather than executing routine tasks. This is the operational layer of your Order-to-Cash (O2C) cycle: the automated workflow between a confirmed order and collected cash.
What Does AR Automation Software Actually Do?
The core capabilities of a full-cycle accounts receivable automation platform include:
- Automated invoice delivery via email, customer portal, or EDI
- Configurable collections workflows and multi-step reminder sequences
- Customer-facing payment portal with one-click payment and no account creation required
- Cash application automation with AI-powered invoice matching
- Real-time receivables dashboards and Days Sales Outstanding (DSO) reporting
- AR lockbox for automated check remittance capture and matching
- Surcharge management for compliant credit card fee recovery
- Deductions and short-pay flagging with exception workflows
Not all AR automation tools cover the full cycle. Many focus on a single function (just invoice delivery, or just collections reminders) while leaving the rest of the process manual.
Centime is built to automate the complete AR workflow from the first invoice to final cash application, all within your existing ERP.
How Does AR Automation Software Work? The End-to-End Workflow
From invoice creation to cash in the bank, here is how Centime automates every step of the accounts receivable cycle inside your ERP:
Invoice is generated in your ERP
Your ERP creates an invoice. Centime detects it immediately and prepares it for delivery with no manual trigger, no export, and no copy-paste required.
Invoice is automatically delivered to the customer
The invoice goes out the moment it is ready, via the customer's preferred channel: email, payment portal, or EDI. Every delivery includes a one-click payment link and is logged in your ERP automatically.
Collections reminder sequence activates
If payment is not received, Centime's workflow triggers automatically based on aging, customer segment, and invoice amount. Reminders escalate on a configured schedule with no manual intervention from your AR team.
Customer pays through the self-service payment portal
The customer clicks the payment link in any reminder and pays instantly by ACH, credit card, or check, with no account creation required. The portal is branded with your company logo and supports full or partial payment.
Payment is matched to the invoice automatically
Centime's AI cash application engine matches the incoming payment to the correct open invoice, handling partial payments, short pays, and multi-invoice remittances without manual intervention. Exceptions are flagged with suggested matches.
ERP and cash forecast update in real time
The matched payment posts to your ERP ledger automatically. Your receivables dashboard, DSO metric, and 13-week cash forecast all update immediately. Month-end close reflects what actually happened, not what you exported last Friday.
Feature Deep-Dive Modules
Automated Invoice Delivery
Invoices that go out the moment they are ready, every time.
Most AR delays start at the same place: the invoice sits in the ERP while someone manually emails it out, sometimes days after it was generated. Centime eliminates that gap entirely.
The moment an invoice is created in NetSuite or Sage Intacct, it is automatically delivered to the customer via their preferred channel: email, portal, or EDI. Every delivery includes a direct payment link, and open-tracking is logged back in your ERP automatically so your team always knows the status.
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Collections Workflows
Consistent follow-up, without a single manual reminder.
The average AR team spends 4-6 hours per day deciding who to call, writing follow-up emails, and tracking who has responded. Centime replaces all of that with automated collections workflows triggered by aging, invoice amount, customer segment, or risk tier.
These workflows send reminders, escalate to collectors when needed, and log every touchpoint directly in your ERP. Teams using Centime reduce active AR management time to under one hour per day.
Collection Campaigns
Targeted outreach when it matters most.
Some situations demand more than a standard reminder cadence: end-of-quarter pushes, high-balance accounts, customers going delinquent for the first time.
Centime's collection campaigns let your AR team launch targeted outreach to specific customer segments or invoice ranges directly from the dashboard. Every campaign tracks open rates, response rates, and payments collected end-to-end, with all activity synced back to your ERP automatically.
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Customer Payment Portal
One click to pay. No login. No friction.
The harder you make it for customers to pay, the longer they wait. Centime's branded payment portal gives your customers a frictionless experience: they see their open invoices and pay instantly by credit card, ACH, or check, with no account creation required.
On average, 50% of customers convert to electronic payment within the first billing cycle. Payments are applied automatically to the right invoices in your ERP the moment they are received.
Cash Application Automation
Match payments to invoices automatically, even the complicated ones.
Cash application is where manual AR breaks down the most: partial payments, short pays, multi-invoice remittances, customers who reference the wrong invoice number.
Centime's AI-powered cash application handles all of it, matching incoming payments to open invoices using remittance data, bank feeds, and ERP records without manual intervention. Exceptions are flagged with suggested matches so your team resolves them in minutes, and every match posts directly to your ERP ledger in real time.
Receivables Dashboard
The AR picture your CFO has been asking for.
Finance leaders often make decisions based on static exports and end-of-month reports that are already outdated by the time they are reviewed.
Centime's receivables dashboard gives AR managers and CFOs a live view of outstanding invoices, aging buckets, DSO trends, and individual collector activity, updated in real time from your ERP. Drill from a portfolio summary to an individual invoice in one click, with no manual exports or pivot tables required.
AR Lockbox
Automated remittance capture for the teams still handling checks.
Not every customer has moved to electronic payment, and for companies handling high check volume, manual remittance processing is one of the most time-consuming parts of AR.
Centime's AR Lockbox captures and digitises check remittances, including paper EOBs and non-standard formats, and automatically matches them to open invoices in NetSuite or Sage Intacct. Your team gets the efficiency of automation even for the customers who are slowest to change.
Surcharge Management
Recover card processing costs automatically.
As more customers pay by credit card, processing fees add up fast, and most mid-market AR teams are either absorbing the cost or calculating surcharges manually on a case-by-case basis.
Centime automates the entire process: surcharge rules are configured by jurisdiction and customer type, disclosed transparently to customers at the time of payment, and applied automatically to every qualifying transaction. No manual calculation, no compliance risk, no awkward conversations with customers.
Automated Invoice Delivery
Deliver the right invoice, to the right contact, the moment it's created.
Centime detects new and updated invoices in your ERP within minutes and delivers them to your customer automatically, via email, customer portal, or both. Each delivery includes a direct payment link so customers can pay by ACH, card, or check with a single click. No manual export. No PDF attachments to compose. No delay between invoice creation and customer receipt.
When Centime pulls an invoice from your ERP, it captures everything on it, not just the total amount due. That means the full header: invoice number, invoice date, due date, PO number, customer name and billing address, currency, and payment terms. And every line item: descriptions, quantities, units of measure, unit rates to up to 6 decimal places (important for companies with high-precision billing), line-level amounts, tax codes, tax amounts, and memo or reference fields. Subtotals, discounts, and total amounts due carry forward exactly as they exist in your system. No rekeying. No rounding.
One thing worth knowing about invoice numbers specifically: each ERP has its own character limits for this field. QuickBooks Online caps the invoice number at 21 characters, and QuickBooks Desktop limits it to 11. NetSuite uses a sequential auto-generated format with configurable prefixes. Sage Intacct accommodates longer alphanumeric identifiers. Centime syncs whichever format your ERP produces and renders it accurately on the delivered PDF and in the customer portal, so your customer always sees the same invoice number that appears in your books.
If a delivery bounces or the contact address is stale, Centime flags it immediately for your team to correct. Every delivery (sent, opened, failed) is logged per invoice and per customer.
Automated Collections Workflows
The right action, for the right customer, at the right time. Every time.
Most AR teams follow up on overdue invoices inconsistently. Someone is out, or the backlog is too big, or a high-value account gets attention while a smaller one quietly ages. Centime fixes this by running your collections process on a set of configurable rules that respond automatically to what is actually happening with each customer account.
You define the logic once: trigger conditions (days past due, outstanding balance, risk tier, whether the customer is on autopay, whether a dispute is open), and the actions that follow (send a reminder, assign an internal task, escalate to a manager, trigger a credit hold in NetSuite or Sage Intacct). From there, the system executes consistently across every account, every day, without requiring your team to manually decide what to do next. When a customer pays or opens a dispute, the workflow responds accordingly and without a manual restart. The "intelligence" here is not a black box: it is your own judgment, codified into rules that run at scale.
Collection Campaigns
Your follow-up emails, but ones customers actually read.
Think about the last collections email your team sent. Was it a generic "please remit payment" template from your ERP? Did it include the specific invoice the customer owed on, a direct link to pay, and your company's branding? Most do not. Centime's collection campaigns let you build the kind of email sequences that actually get opened and acted on.
Your collection workflows determine when to reach out. Collection campaigns determine how. Build branded email sequences, from a polite pre-due reminder to a firm final-notice escalation, each with its own tone, timing, and template. Every email pulls the customer's specific invoice details, outstanding balance, and a direct one-click payment link from your ERP automatically. No manual personalization required.
Campaign performance is tracked at the email level: open rates, click-to-pay rates, and average days-to-pay per campaign are all visible in the AR dashboard. If one subject line outperforms another with your 60-day-past-due segment, you will see it. Your team can refine what works by customer type over time.
Customer Payment Portal
Fewer emails. Faster payments. Happier customers.
Provide a secure, branded portal where customers can view their full invoice history, download PDFs, and pay open balances, with no account creation required. Customers access the portal with one click from the email they already received. Payment methods accepted: ACH, credit card (with compliant surcharge pass-through if configured), and check. Early payment discounts are applied automatically when configured.
Dispute management is available in the portal: customers can raise issues directly, triggering a notification to your AR team with full context attached. Every portal interaction is logged and visible to your team in real time.
Cash Application
Payment received. Invoice closed. ERP updated. Done
Cash application is the step most AR teams dread: a payment arrives by ACH, wire, or check, and someone has to figure out which invoice it belongs to, key it into the ERP, and mark the invoice paid. When remittance information is missing or partial (which it often is), this becomes a research project. Centime automates it.
For payments processed through Centime Merchant Services, cash application is fully automatic. The payment is matched to the customer record and applied to the correct invoice in real time, then posted back to your ERP without any manual entry. For ACH, wire, and check payments, remittance files can be uploaded to automate matching without spreadsheet reconciliation. The goal is simple: a customer pays, and your books reflect it immediately, with no one in the middle.
Receivables Dashboard & Reporting
Track risk. Prioritize follow-ups. Forecast cash.
The Centime receivables dashboard gives AR managers and controllers real-time visibility into the metrics that actually drive decisions: total outstanding AR by aging bucket (current, 1–30, 31–60, 61–90, 90+ days), invoices flagged for follow-up by workflow status and risk tier, DSO trending month-over-month and by customer segment, and email delivery and payment conversion rates by campaign. Because Centime is connected to your AP pipeline and cash forecast, AR collections activity updates your projected cash position in real time.
AR Lockbox
Automate check deposits and earn interest on every payment.
For companies still receiving a significant volume of check payments, Centime's AR Lockbox automates check deposit and remittance processing. Checks are deposited daily, remittance data is captured and synced to your ERP automatically, and your balances earn interest while they're being processed. This eliminates the manual handling, data entry, and deposit delays that come with a traditional check-heavy AR process.
Surcharge Management
Recover card processing fees without compliance risk.
Centime handles credit card surcharge compliance at the global level and at the individual customer level. Configure surcharge rates by state (compliant with state-by-state surcharge regulations), waive surcharges for specific customers, and set maximum surcharge caps.
Surcharge amounts are disclosed to customers at the point of payment, generating a compliant, auditable record for every transaction.
What to Look for in AR Automation Software
Not all AR automation tools are built the same way. Mid-market finance teams have different needs than enterprise companies: shorter implementation timelines, tighter IT resources, and less tolerance for tools that add complexity without a fast return. Here are the five criteria that matter most when evaluating accounts receivable automation software:
1. ERP Integration Depth
The most important question is whether the tool is embedded natively in your ERP or connected via API. Native embedding means your invoice data, customer records, payment status, and cash application all live in one system, with no reconciliation, no sync errors, and no duplicate entry. API-connected tools introduce a second data layer that requires ongoing maintenance and creates a gap between what is happening in AR and what is visible in your ERP.
Centime is fully embedded in NetSuite, Sage Intacct, and QuickBooks. Not API-connected.
2. End-to-End Coverage
Many AR automation tools only automate one part of the cycle: just invoice delivery, or just collections reminders. That means your team still handles the rest manually, and the efficiency gains are limited. Look for a platform that covers invoice delivery, collections workflows, customer payments, and cash application in a single system.
Centime covers the full AR cycle in one platform. No separate tools required.
3. Implementation Timeline
Enterprise AR automation tools often require 3-6 months to implement, plus IT resources your mid-market team does not have. A purpose-built mid-market solution should be live in 2-4 weeks, with a dedicated onboarding team handling ERP configuration and workflow setup.
Centime's average implementation time: 7-21 days.
4. Customer Payment Experience
If paying is difficult (requires account creation, a confusing interface, or limited payment methods) customers will delay. The best AR automation platforms offer a one-click payment experience that works without any setup on the customer's side.
Centime's payment portal requires no account creation. Average electronic adoption: 50% in the first billing cycle.
5. Cash Application Intelligence
Rule-based matching works for simple, clean transactions. Mid-market AR reality is messier: partial payments, short pays, customers referencing wrong invoice numbers, multi-invoice remittances. Evaluate whether the cash application engine uses AI and learns from your transaction history, or just matches on static rules.
Centime uses AI-powered matching that improves over time and handles complex remittance scenarios automatically.
What to Watch Out For When Implementing AR Automation
AR automation delivers real results. It also has a learning curve. Here is what to expect, and how to set your team up for a smooth rollout:
Challenge 1: Customer payment behaviour takes 1-2 billing cycles to shift
Even with a frictionless payment portal, some customers will stick to their existing habits initially. Expect the first billing cycle to show partial electronic adoption, with rates rising steadily from cycle two onward as customers encounter the portal and find it easier than their old process.
Centime
Average electronic payment adoption is 50% by the second billing cycle. Centime's onboarding team can help you communicate the change to your top accounts before go-live to accelerate the transition.
Challenge 2: Cash application accuracy improves over the first few weeks
Centime matches payments to invoices on day one, but match rates improve as the AI learns your customers' remittance patterns. Most teams see their highest exception rates in weeks one and two, dropping significantly by week four as the system calibrates to your transaction history.
Centime
Your onboarding team will review exception patterns with you at the two-week mark and adjust matching rules before the system fully runs autonomously.
Challenge 3: Workflow configuration requires one focused upfront session
Getting the most from Centime requires a one-time workflow design session to define reminder cadences, customer segments, escalation rules, and payment portal settings. This is not something you figure out as you go: the quality of your configuration directly affects your first-cycle results.
Centime
Centime's onboarding team runs this session for you. It takes 2-3 hours, not weeks, and is included in your standard implementation.
AI That Gets Smarter Every Time Your Team Gets Paid
Centime's machine learning layer trains on your company's transaction history, continuously improving cash application match rates over time, so the system is more accurate in month three than it was in month one, without any manual retraining.
AI-driven payment timing predictions help collectors prioritise outreach to accounts with the highest propensity to pay, so your team focuses effort where it will actually move the number. Every decision Centime makes is fully traceable: AR managers can see exactly why an account was flagged, why a match was suggested, and what the confidence score was.
Predictive Payment Timing
Identifies accounts with high probability of late payment based on historical behaviour, surfacing them for early outreach before they enter the collections queue.
Intelligent Cash Application
AI matches incoming payments to open invoices across remittance data, bank feeds, and ERP records, handling partial payments, short pays, and complex multi-invoice remittances automatically.
Anomaly Detection
Flags unusual payment patterns, including first-time delinquencies, new short-pay behaviour, and accounts paying below their historical average, before they become collection problems.
Collections Prioritisation
Ranks open invoices by recovery probability so collectors direct their time toward accounts most likely to respond, not just the largest outstanding balances.
How Does Centime Compare to Other AR Automation Software?
AR Is Where Most Teams Start. Cash Clarity Is Where They End Up.
When AR automation is running inside the same platform as your AP workflows, bank accounts, and cash forecast, something changes: your finance team stops reacting and starts anticipating. Collections improve, the forecast updates automatically, and the CFO has a real-time picture of cash in and cash out, without a weekly spreadsheet build. That is the Centime platform.
AR Automation
Faster collections, lower DSO, and automated cash application. See this page.
AP Automation
Capture early-pay discounts, control outflows, and earn 2.25% APY on funds held in Centime.
Banking Integration
Real-time cash position connected directly to your business bank accounts.
Cash Forecasting
13-week rolling forecast updated automatically from AR collections and AP commitments.
Further Reading on AR Automation
Dig deeper into specific aspects of accounts receivable automation with these guides from the Centime resource library:
How to Reduce Days Sales Outstanding: A Step-by-Step Guide
Practical steps mid-market finance teams can take to reduce DSO within a single quarter, with or without automation.
Learn more
AP Automation for NetSuite: The Complete Guide
Everything a NetSuite user needs to know about automating accounts payable, from invoice capture to payment approval.
Learn more
13-Week Cash Flow Forecast Guide
How to build and maintain a rolling 13-week cash forecast that connects directly to your AR collections and AP commitments.
Learn more
Testimonials
"We've saved about 10 hours of work each week! Centime has made a big difference in our operations."
— Brenna Gjurekovec, Accounting Manager
10 hrs/week
saved
23% increase in
collections effectiveness
Significant reduction in
DSO
"Centime is helping us solidify the financial foundation to support our growth — across our club, stadium, academy, and second team."
— Becca Riley, Head of Accounting and Finance
42% increase in
collections effectiveness
46% reduction in
overdue invoices
39 day reduction in
DSO (106 → 67 days)
Avg days past due down
65% (46 → 16 days)
"We saw a significant reduction in the number of customers that need some sort of follow-up."
— Patrick Maguire, Controller
40 hours/month
saved across finance team
30–50% adoption of
payment portal
Decrease in
overdue invoices
"We saw a significant reduction in the number of customers that need some sort of follow-up, converted 50% to electronic payments, and saw a substantial decrease in overdue invoices."
- Patrick Maguire, JobGet
Industry:
Technology & Software
Employees:
51–200
See What AR Automation Looks Like Inside Your ERP.
Most NetSuite and Sage Intacct customers are live with Centime in under three weeks. Book a demo and we will show you exactly how it works in your environment.
What Centime Users Say
"Centime is a must-have for collections and has helped to significantly reduce time spent on this tedious task. The Receivables module provides highly customizable, automated reminder campaigns, convenient payment links where customers can pay by credit card/ACH, and the ability to record collections notes and promised payment dates to help with cash management." Read Review
- Verified G2 Review User
Industry:
IT & Services
Employees:
51–1,000
"Centime has helped reduce the workload for our AR process. What would normally take anywhere between 4–6 hours a week, we are now able to accomplish under an hour." Read the Case Study
"We saw a significant reduction in the number of customers that need some sort of follow-up, converted 50% to electronic payments, and saw a substantial decrease in overdue invoices."
- Patrick Maguire, JobGet
Industry:
Technology & Software
Employees:
51–200
Why Do Finance Teams Choose Centime AR?What Is AR Automation Software?How Does AR Automation Software Work? The End-to-End WorkflowFeature Deep-Dive ModulesWhat to Look for in AR Automation SoftwareWhat to Watch Out For When Implementing AR AutomationAI That Gets Smarter Every Time Your Team Gets PaidHow Does Centime Compare to Other AR Automation Software?AR Is Where Most Teams Start. Cash Clarity Is Where They End Up.Further Reading on AR AutomationTestimonials
FAQs
Frequently Asked Questions About AR Automation Software
What is AR automation software?
AR automation software automates the accounts receivable cycle, covering invoice delivery, collections follow-up, customer payment processing, and cash application, and replacing manual tasks with automated workflows that run inside your ERP. A full-cycle platform like Centime covers every step from first invoice to final cash match in a single system.
How does AR automation software reduce Days Sales Outstanding (DSO)?
AR automation reduces DSO by ensuring invoices go out immediately after they are created, triggering automated reminders on a consistent schedule regardless of AR team bandwidth, and giving customers a one-click way to pay. Centime customers typically see DSO reductions of 30% or more within the first 90 days of go-live.
How does Centime integrate with NetSuite for AR automation?
Centime is fully embedded in NetSuite, not API-connected. Invoice data, customer records, payment status, and cash application all live in your NetSuite environment with no syncing, middleware, or data reconciliation required. Configuration happens inside NetSuite during onboarding. Most customers are live in 7-21 days.
Does Centime work with Sage Intacct and QuickBooks?
Yes. Centime is natively embedded in NetSuite, Sage Intacct, and QuickBooks, with the same full-cycle AR automation feature set available across all three ERPs. No middleware or third-party integration tools are required for any of these environments.
How long does it take to implement accounts receivable automation software?
Centime's implementation takes 7-21 days for most mid-market companies. Centime's onboarding team handles all ERP configuration, workflow setup, and payment portal branding. The AR team typically needs 2-3 hours of involvement during onboarding, not weeks of project management.
What is the difference between AR automation software and an ERP's built-in AR module?
ERP AR modules handle record-keeping: they store invoices and payment history. AR automation software automates the work between those records (sending invoices, triggering follow-up, enabling customer payments, and matching cash). Centime works alongside your ERP's native AR module, using its data to power automated workflows that the ERP itself does not run.
What is cash application automation and how does it work?
Cash application automation uses AI to match incoming payments to open invoices in your ERP, processing ACH, credit card, check, and complex remittances without manual intervention. Centime's engine handles partial payments, short pays, and multi-invoice remittances, flagging exceptions with suggested matches and posting confirmed matches to your ERP ledger in real time.
Is Centime AR automation right for mid-market companies?
Centime is purpose-built for mid-market companies with $10M-$500M in revenue. It is priced, scoped, and supported for teams that do not have enterprise IT budgets or 6-month implementation runways. Most customers are mid-market manufacturers, distributors, and service businesses running NetSuite or Sage Intacct.
You may also like
7 Best Practices to Improve AR Collections
There are several challenges associated with AR collections for business owners. This article provides best practices and actionable tips to help businesses improve their accounts receivable collection.
Read more
Top 7 AR Challenges (And How to Fix Them)
Manual accounts receivable processes wrack up unnecessary costs and errors for businesses. Read on to learn the most common AR challenges and how automating your AR processes can help.
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How to Select an AR Payment Provider for Long-Term Success
Explore the key features in the AR payment collection process and see the advantage that an integrated AR solution has over a standalone provider.
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**Deposit placement through ICS is subject to the terms, conditions, and disclosures in the applicable agreements. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one destination bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA (e.g., before settlement for deposits or after settlement for withdrawals) or be uninsured (if the placing institution is not an insured bank). The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks. The depositor may exclude banks from eligibility to receive its funds. IntraFi and ICS are registered service marks, and IntraFi Cash Service is a service mark, of IntraFi Network LLC.
††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.
††2.25% Annual Percentage Yield (APY) as of 12/23/25. Deposit rate may adjust to current market rate and may change daily. Fees may reduce earnings.