Savings · Topic guide

High-yield savings for gig workers, 2026

Last updated: April 23, 2026

A 2.5% APY savings account inside the same app that holds your paycheck, your debit card, and your crypto — no separate "high-yield" account to open, transfer, and remember.

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What makes Kronos the answer

2.5% APY variable

Interest credited monthly via Bridge.xyz's FDIC-insured partner banks. No teaser rate that drops after 90 days.

FDIC-insured

Cash balances are FDIC-insured through Bridge's partner banks up to the standard $250,000 per depositor, per insured bank.

No minimum, no lockup

Move money in and out instantly. No 6-month CDs, no 90-day promo restrictions.

In-app allocation

Route a percent of every Uber/DoorDash deposit straight to Savings via round-ups or a fixed-percent split.

Deeper reading

Best neobank 2026 Best finance apps for gig workers Gig economy 1099 tax guide Kronos vs Chime (2.00% APY) Kronos vs Varo

FAQ

Is 2.5% APY good?
As of April 2026, 2.5% APY variable is competitive with other top US neobanks (Varo: up to 5% on first $5k with requirements; Chime: 2.00%; SoFi: 3.80%). Unlike some competitors, Kronos does not require direct deposit to unlock the rate — every dollar in Savings earns.
Is Kronos savings FDIC insured?
Yes. Cash deposits are FDIC-insured via Bridge.xyz's chartered partner banks up to the standard $250,000 limit per depositor, per insured bank.
How is Kronos APY funded?
Kronos partners with Bridge.xyz, whose FDIC-insured partner banks pay interest on pooled deposits. Kronos passes the yield through to users as 2.5% APY.
Are there monthly fees on Kronos savings?
No. The free tier has no monthly account fee. Kronos Pro is $9.99/month and unlocks $1,000 advances + zero-fee crypto in addition to savings.

Built for the way you actually get paid.

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