Make your cash work harder
Earn 4.5% APY on your operating cash with full liquidity. FDIC insured up to $5M through our network of partner banks.
Current APY
4.5%
Variable rate, updated monthly
$5M
FDIC Insured
0
Days Locked
$0
Minimum Balance
$0
Monthly Fee
How Treasury works
Set it up in minutes. Start earning immediately.
Enable Treasury
Toggle on Treasury from your dashboard. Takes 30 seconds.
Set Your Target
Choose how much to keep in checking. The rest earns yield.
Watch It Grow
Interest accrues daily and compounds monthly. Withdraw anytime.
Calculate your earnings
See how much more you could earn with BankStack Treasury
Traditional Bank (0.01%)
$50/yr
BankStack Treasury (4.5%)
$22,500/yr
Extra Earnings
+$22,450
Why companies choose BankStack Treasury
All the benefits of high-yield savings with none of the tradeoffs.
$5M FDIC Insurance
Your deposits are spread across our network of FDIC-insured partner banks for maximum protection.
Instant Liquidity
No lockups or penalties. Move funds back to checking instantly when you need them.
Competitive Rate
Our 4.5% APY is 450x higher than the average savings account. Updated monthly to stay competitive.
Automatic Sweeps
Set a target balance and we automatically move excess funds to earn yield. Hands-free optimization.
Daily Accrual
Interest accrues daily and compounds monthly. Watch your balance grow in real-time.
Easy Reporting
Monthly statements show all interest earned. Integrates with your accounting software.
Compare your options
See how BankStack Treasury stacks up
| Feature | Traditional Bank | BankStack |
|---|---|---|
| Interest Rate | 0.01% APY | 4.5% APY |
| FDIC Insurance | $250K | $5M |
| Minimum Balance | $10,000+ | $0 |
| Liquidity | 1-3 days | Instant |
| Monthly Fee | $25+ | $0 |
Start earning 4.5% today
Open a BankStack account and enable Treasury in minutes.