Rule changeX Money
Dec 1: 6.00% APY capped at $150,000
Starting Dec 1, 2026, the part of your balance above $150,000 earns 4.00% instead of 6.00%. ATM fee refunds are capped at two per calendar month, up to $4 each, for everyone, X subscribers included.
- Task
- $1,000+ direct depositsPay sent electronically into your account by an employer, payroll service or government agency. Many bank bonuses require it. Glossary in 34 days, or Premium, Super, Ultra
- Fee
- No monthly feeWhat a bank charges each month to keep the account open. It's often waived if you meet conditions like a minimum balance or direct deposits. Glossary
- Ends
- No end date stated
- States
- U.S. residents 18 or older with an X account; rolling out to select users; New York residents earn no interest
What changed
- Before6.00% APY on the whole balance, with no limit statedNowFrom Dec 1: 6.00% APY on the first $150,000 only; any amount above $150,000 earns 4.00% APY
- BeforePaid X Subscription plans, and legacy Premium or Premium+: unlimited ATM operator fee refunds. Everyone else: up to $4 each, 2 a monthNowFrom Dec 1: everyone, subscribers included, gets up to $4 per ATM transaction, 2 a calendar month. After that, the ATM operator's fee comes out of your account
What it means for churners
- Your rate holds up to $150,000. At $200,000, the $50,000 above the cap earns about $1,000 less a year.
- From Dec 1, X subscribers pay ATM owners' fees after 2 withdrawals a month, and the part of any fee over $4.
Fine print
- In X Money's terms, a Qualifying Deposit is an ACHAn electronic transfer between bank accounts, like moving money from your checking at one bank to another. Glossary direct deposit with SEC code PPD, or an X Creator payout from Original Content Rewards, Creator Revenue Sharing or Creator Subscriptions.
- Premium, Super and Ultra subscribers on The X Subscription, and legacy X Premium+ subscribers, get 6.00% APYAnnual percentage yield: the interest a savings account pays over a year, counting interest on interest. Glossary with no deposit needed. Everyone else earns 4.00%, or 6.00% when they receive $1,000+ in Qualifying Deposits within a trailing 34-day period.
- The $150,000 limit applies to each day's balance, since interest is calculated daily; it's paid monthly.
- X Money charges no ATM fee of its own, and it processes refunds within 3 calendar days.
- Rates are as of Oct 12, 2026 and variable: X Money can change them at any time.
- X Payments LLC is not an FDIC-insured bank. Deposits are held at Cross River Bank, Member FDIC, and other FDIC-insured banks through a cash sweep program.
Sources
Weighing this bonus? Put it before the Money Court jury
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