From the FAQ Section: You’ll earn 0.125% Stock-Back on all of your purchases every day and up to 5% Stock-Back at certain merchants with Stock-Back bonuses. For the most part, your regular purchases—including gas, groceries, and dining—will qualify for Stock-Back. Non-qualifying purchases include ATM withdrawals, gift or prepaid cards, and money orders. When you spend at companies that have stocks listed on our platform, like Walmart, Amazon, and Starbucks, we’ll reward you with Stock-Back in those companies. When you spend anywhere else, like your local car wash, we’ll reward you with a diversified fund instead. Our investment account is just $1 a month. However, if your investment account balance reaches $5k or more, it's 0.25% of that balance every year. That's just $12.50 a year for an account worth $5k.* Our zero hidden fee debit account has zero set-up, monthly, maintenance, minimum, or overdraft fees. It also comes with over 19,000 fee-free ATMs.6 You can learn more about the fees we do charge here.