Interest-bearing deposits

Pay customers interest on stored funds, encouraging them to keep money in their account.

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Superpowered interest-bearing deposits, courtesy of our ledger

Only Episode Six has a bank-grade ledger that powers interest-bearing deposit accounts.
Episode Six offers the ability to easily configure different interest tiers across your customer cohorts.

It’s easy to contextualize and incentivize behaviors, and dynamically adjust customers’ interest rates based on activity. Attach interest bearing-deposits to your existing account offerings. 

The Episode Six ledger tracks the account balance, making managing accounts easy. Our ledger is dual entry, which ensures that the balance is valid, no matter the transaction volume. We handle the details, so you can focus on growing your business.

More than just a savings account

Episode Six offers a flexible, interest-bearing account that functions like a traditional bank account—with the added power of our advanced issuer processing and card management capabilities.

Episode Six allows you to tailor interest-bearing accounts any way you want them.

More than just a savings account

Episode Six offers a flexible, interest-bearing account that functions like a traditional bank account—with the added power of our advanced issuer processing and card management capabilities. 

Episode Six allows you to tailor interest-bearing accounts any way you want them.

 
Interest bearing deposits - controls - set interest tiers

Set any interest tier on accounts, and choose between simple or compound interest.

Cards - credit interest configuration

Establish interest at a flat rate or variable based on account balance.

Interest bearing deposits  - controls - minimum balance

Set a minimum balance to accrue interest, and cap interest rates at a maximum balance.

General - one platform

Seamlessly attach a card to the account at any point in the account lifecycle.

Ledger - Virtual accounts dual-entry ledger

Offer separate savings accounts attached to interest-bearing accounts, with a linked interest rate.

General - multicurrency (1)

Offer savings accounts in multiple currencies.

In addition to earning interest, these accounts come equipped with leading features like restricted spend controls, MCC block/unblock, and instant card issuance.

It's not just a savings account—it’s a full-featured, transactional account layered with the best of Episode Six’s platform, delivering everything from compliance-ready controls to real-time card functionality.

A sub-account to help your customers save

Our Savings Goals account is a lightweight interest-bearing deposit account designed to empower users to reach their savings targets.

This child account is linked to the interest-bearing account, and shares an interest rate. Funds can only be transferred to and from the primary account. Account holders transfer funds from their primary interest-bearing account to their Savings Goals account, and transfer back into their primary account when they are ready to spend.

Interest-bearing deposit

FAQs

How customizable are the interest rates and features?

Very. Episode Six allows you to configure dynamic interest tiers across customer segments, so you can tailor offers to incentivize behaviors like increased savings or account activity. Plus, you can attach our best-in-class card and issuer processing features—such as restricted spend, MCC block/unblock, and instant issuance—directly to interest-bearing accounts for a complete, modern banking experience.
Can I add on interest-bearing deposits to my current program?

Yes! Easily add on interest-bearing deposits to your offerings within the Episode Six platform. 
Can I offer multiple savings or linked accounts?

Yes—you can enable savings sub-accounts with linked interest rules. When a primary account earns a base interest rate, the linked account earns interest while supporting savings goals.

Ready to offer your customers interest, dynamic savings accounts and more with our bank-grade ledger?