FLOW: Spend and Earn in One Seamless Account

Managing everyday finances shouldn’t require juggling multiple accounts.
Medici Bank’s FLOW Account simplifies personal banking by combining the flexibility of a checking account with the earning power of a savings account — all in one place.

What is the FLOW Account?

The FLOW Account is a modern personal account that lets you spend freely and earn interest without having to transfer money between checking and savings.
No extra steps. No complicated structures. Just smart, simple banking.

Key Features

• Earn 0.50% APY
  Enjoy a highly competitive yield — typically 5x higher than traditional bank savings rates — without sacrificing daily access.

• Unlimited Spending
  Pay bills, make purchases, send transfers — all without the transaction restrictions usually found on savings accounts.

• Seamless Digital Access
  Manage your FLOW Account through Medici’s secure online platform, offering real-time transfers, 24/7 account access, and unlimited transactions.

• No Need to Shuffle Funds
  No more moving money between savings and checking. FLOW lets your everyday balance earn while remaining fully spendable.

• Minimum to Start: $500
  Open your account with a $500 deposit and maintain that balance to avoid monthly fees.

Why FLOW Makes Sense

Whether you're building an emergency fund, saving for a major purchase, or just want your everyday cash to work a little harder, FLOW delivers:

• Flexibility without complexity

• Growth without lockups

• Access without compromises

It's the next step in smarter personal financial management.

Start Earning More with FLOW

Open a FLOW Account today and experience banking where your money truly flows — earning interest while staying 100% accessible.