Rates · Rivo - Earn 3.64% yield on idle cash, keep your bank
Big banks pay you almost nothing. Your idle cash deserves better.
You should keep enough money in checking to cover bills and feel secure. But you shouldn’t have to earn almost nothing just because you’re being responsible. Rivo fixes that.
Rivo Autopilot
| Bank | Yield | Works with your existing bank | Bills stay covered | Automated cash management | Est. yearly earnings on $20,000 balance |
|---|---|---|---|---|---|
| Rivo | 3.70%* | Yes, keep your bank | Yes, automatic | Yes | $740 |
| Chase | 0.01%1 | N/A | No | No | $2 |
| Bank of America | 0.01%1 | N/A | No | No | $2 |
| Wells Fargo | 0.01%1 | N/A | No | No | $2 |
| National avg. | 0.07%2 | N/A | N/A | N/A | $14 |
*Yield rate reflects 4-week T-Bill rate (as of August 3, 2026) when held to maturity. Rate does not include fees. Rates subject to change. Minimum balance of $100 required to earn the stated rate. For fees, see here. For other important disclosures see here.
Rivo is a financial technology company, not a bank. Banking services provided by Jiko Bank, a division of Mid-Central National Bank. Securities offered by Jiko Securities.
1From individual bank’s website. 2FRED, St. Louis Fed (ICNDR series).
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