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Money Things

Savings+—the high-yield savings account that grows with you

Money Things

Savings+—the high-yield savings account that grows with you

Traditional banking has often been rigid, sticking to familiar paths and overlooking the diverse financial needs of different communities. “We’re facing a full-blown crisis when it comes to financial inclusion,” says Gretchen C. Bellamy, Esq., from Bellamy Consulting. In fact, 70% of Americans report being stressed about finances, with 52% stating that their financial stress has gone up since the start of the COVID-19 pandemic (Wronski, L., 2023). 

That’s why Wysh and Bellamy Consulting have teamed up to take a different route—one focusing on innovation, inclusion, and empowerment. The result of that commitment is Savings+, a first-of-its-kind product in the US that marries a high-yield savings account with exclusive micro life insurance benefit.

“Savings+ represents an unprecedented, inspired effort to fundamentally rewrite the narrative on financial inclusion in this country,” says Bellamy. “It has the potential to truly serve as a game-changer.”

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  1. What is Savings+?
  2. Why Savings+?
  3. How does it work?
  4. Get started with Savings+

What is Savings+?

Savings+ is more than a banking product—it’s a financial instrument designed to grow with you. Here’s what it offers:

High-yield savings account

Savings+ comes with a 4.00% annual percentage yield (APY)1 that’s 10x the national average,2 allowing your money to work harder for you, not the other way around.

Embedded life insurance

As you grow your savings, a corresponding life insurance benefit grows with it. This benefit is equal to 1-10%3 of your three month rolling average and can add some more peace of mind and financial protection for your loved ones. 

Why Savings+?

In recognizing that traditional banking has underserved a variety of communities, Wysh sought to create something truly inclusive. Here’s why Savings+ stands out:


No medical underwriting

No minimums 

No annual fees

No lock-ins


The combined savings + life insurance = financial security & growth for everyone


What you see is what you get

No hidden clauses

No complicated processes

How does it work?

Build your savings + protect your loved ones

With the 4.00% APY1 and the life insurance payout of up to $10,000,3 it’s possible to save and secure at the same time. 

Easy application process

Wysh ensures that Savings+ is accessible to all, no matter the financial background or health status.

Get Started with Savings+

At Wysh, we don’t see Savings+ as just another product. It’s the start of a movement to democratize access to financial protection, to give more people the power to secure their future. We want to redefine financial security, where growth in savings is coupled with a layer of micro life insurance. 

With Savings+ the future is in your hands. Time to embrace this new era of financial protection. Join us in leading the way. 

Sign up for Savings+ today


Wronski, L. (April 11, 2023). CNBC | Momentive Your Money Financial Confidence Survey. Momentive.


Wysh Financial, LLC is a financial technology company, not a bank. Banking services provided by nbkc bank, Member FDIC.

1 - Accounts provided by nbkc bank, Member FDIC. Annual Percentage Yield (APY) of 4.00% is as of August 7, 2023 and may change at any time. No minimum opening deposit or minimum balance required.

2 - National average comparison was made on July 7, 2023 and is based on averaged rates for similar savings products by Nerdwallet who relies on the data from the banks it tracks and cannot be guaranteed. Our rate current as of August 7, 2023. 

3 - Benefit is calculated as a percentage, set by Wysh Financial, LLC, multiplied by the average of the monthly trailing average balance of your account for each of the prior three months. Life Insurance only available between ages 18-79. Benefit for customers between ages 18-64 is 10%.  Benefit for customers between ages 65-79 is 1%. Maximum benefit is $10,000. Your coverage becomes effective 91 days after you open an eligible account. Terms subject to change.

The opinions we expressed in this post are for general informational purposes only and are not intended to provide specific advice or recommendations.