Idaho residents on Kronos Pro earn 2.5% APY on the entire savings balance, FDIC-insured via partner banks. No minimum, no monthly fee, no lockup.
Kronos Pro pays 2.5% APY on the full balance to Idaho residents — no direct-deposit gate, no balance cap, no lockup window. USD balances flow to FDIC-insured partner banks; standard FDIC limits per partner bank apply. Free tier earns the standard rate. The savings balance is the same balance the cashback debit card spends from, so there is no internal "transfer to checking" friction when you actually need the money.
Yes. Kronos savings is available to Idaho residents 18+ who pass identity verification.
Yes. Kronos enforces an 18+ age gate at signup (validateDOB). This is required for any US fintech offering deposit accounts.
Yes. Kronos supports early direct deposit for eligible deposits, plus Plaid-linked transfers and Kronos Tag P2P.
Yes. 2.5% APY for Kronos Pro members nationwide; standard rate for free tier.
Join the waitlist at https://getkronos.io/waitlist. Onboarding takes about three minutes including Plaid identity verification.
USD balances are FDIC-insured via partner banks, up to standard federal limits per partner bank. Crypto is not FDIC-insured at any provider.