---
title: "Earn up to 3.36% APY | Keep Your Bank | Automate the Rest"
description: "Multiply your interest with Robora, seamlessly integrating with your existing bank accounts. Enjoy cash management and millions in FDIC insurance. Sign up today."
url: https://my-site-de67291e.ploy.build/
---
# Maximize your bank accounts with higher deposit yields.
Your operating capital, reserves, and excess funds could be earning up to **3.36% APY1** instead of sitting dormant.
[Meet With Us](/book-a-demo)
TRUSTED BY
TRUSTED BY
EARN UP TO 3.36% APY1 WITH ROBORA
## Calculate your interest income from the high-interest savings account here
This calculation is illustrative and assumes a constant balance and rates.
$25K minimum initial deposit is required.
OFFERING HIGHER RETURNS
## Safely & securely through trusted partners
Secure Account Linking Powered By Plaid
Access millions of dollars in aggregate FDIC insurance² through our partner bank, OMB Bank, and a large network of other banks. FDIC pass-through deposit insurance is subject to regulatory requirements.
Seamless Verification and Onboarding Powered by Alloy
\*Your funds are held with FDIC-insured² depository institutions, not with Robora. Robora is not a bank. We are a financial technology company and your “robo” cash advisor empowering the ability to find safe, high-yielding returns. Banking services are provided by OMB Bank, member FDIC, and OMB Bank will place deposits through IntraFi’s ICS service, which is the largest bank network of its kind, and subject to the ICS Deposit Placement Agreement. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.
A CASH MANAGEMENT SOLUTION FOR ALL
## Now everyone can earn more with Robora
### Safely and securely
Access amounts of FDIC insurance² well over $250K.
### Without worrying about missing payments
Automated cash transfers to ensure adequate primary account balances while also maximizing returns.
### With built-in cash optimization
Use Robora’s proprietary tools to identify excess cash hidden in your primary account.
### With experts on your side
Save time with industry-leading experts who find and implement market-leading solutions for you.
### With 10x interest rates
With Robora, achieve industry-leading interest rates while still enjoying anytime access.
### Without changing your bank
You've spent time setting up your own checking account and its recurring payments. Leave these alone and let Robora do the rest.
Do more of what you enjoy.
Leave cash management to us.
## Robora makes it effortless
* KEEP YOUR BANK
* AUTOMATE YOUR CASH
* MAXIMIZE YOUR EARNINGS
1. 1
### Fully digital onboarding
Get setup in less than 5 minutes.
2. 2
### Link your existing bank accounts
Choose the account(s) you want to securely link with Robora for cash optimization.
3. 3
### Identify your Excess Cash
Utilize Robora’s proprietary cash flow management tool to analyze your cash flows and calculate excess cash, or simply specify an amount of your choosing.
4. 4
### Transfer funds
Transfer the cash now and set rules for future automated transfers.
5. 5
### Unlock the returns you deserve
Start earning up to 3.36% APY1 with your new Robora high-interest savings account.
## Automate your cash.Save more. Earn more.
Earn
3.36%
APY1 for $250K or greater average monthly balances
2.90%
APY1 for less than $250K average monthly balances
\*$25K minimum initial deposit
* Free Cash Analytics and Management Tool
* Unlimited Transfers
* Free Same Day ACH
* Free Standard ACH
* $20 per Wire Transfer - standard cost from banking partner
---
[](/)
Want to give your excess cash a boost?
[Get Started](https://app.roborafinancial.com/signup)
---
## Quick links
* [Home](/)
* [How it works](/how-it-works)
* [Who we are](/who-we-are)
* [Pricing](/#pricingsection)
* [Customer stories](/?testimonial=open)
[support@roborafinancial.com](mailto:support@roborafinancial.com)
## Copyrights
© Robora Financial. All rights reserved.
SOC 2 Type II
Independently audited
## Resources
* [FAQs](/get-help)
* [Blogs](/blogs)
* [Contact Us](/contact-us)
* [Privacy policy](/policy/privacy)
* [Terms of Service](/policy/terms-of-service)
## Disclaimer
Robora Financial or Robora is a brand of FinOpti Treasury, LLC (“Robora”), a financial technology company, not a depository institution, bank, or credit union, and is not itself a FDIC insured company. FinOpti Treasury, LLC partners with OMB Bank, Member FDIC. By opening an OMB Bank account through Robora, your funds are held in a deposit account at OMB Bank.
1\. Annual percentage yield (APY) is 2.90% if the monthly average balance at the relationship level is less than $250,000, or 3.36% if the monthly average balance at the relationship level is greater than or equal to $250,000, effective as of September 17, 2026 and may change at any time, before or after the account is opened, without rate limitation. Rates are determined by varying prevailing economic and business conditions, including the U.S. Federal Reserve interest paid on reserves.
2\. Robora is not an FDIC-insured depository institution and FDIC insurance only applies to the failure of the bank where your account is maintained. By opening an account through Robora, Customers deposit their funds into either:
A deposit account at OMB Bank, Member FDIC, and held by OMB Bank, with such funds (combined with any other of such Customers funds at OMB) FDIC Insured up to the current standard maximum deposit insurance amount of $250,000 ("SMDIA"); or a deposit account at OMB Bank, which sweeps those funds into deposit accounts across a network of FDIC-insured banks for access to millions of FDIC-insurance in aggregate across the accounts. Under this program, the Customer’s funds are placed into deposit accounts across a network of FDIC-insured banks for up to the current SMDIA of $250,000 per eligible depositor, per receiving bank, for each ownership capacity or category, including any other balances they may hold at that receiving bank directly or indirectly through other intermediaries, including broker-dealers. OMB Bank uses a third-party vendor and agent to help administer this deposit placement process. View the [Institution List](https://www.intrafi.com/network-banks) for a list of the banks and savings associations with which Robora and OMB Bank have a business relationship for the placement of deposits at receiving banks, and into which your deposits may be placed, subject to the [Terms of Service](/policy/terms-of-service) and any opt-outs by OMB Bank or you. You should review the Institution list and opt-out of any particular institution to which you do not want us to allocate your funds. Certain conditions must be met to obtain such insurance and [Terms and restrictions apply](https://app.roborafinancial.com/ICS%5FDeposit%5FPlacement%5FAgreement.pdf).
Your account with Robora and all services are subject to the [Terms of Service](/policy/terms-of-service), and there are no other applicable terms, representations or warranties, express or implied, except as expressly set forth in the Terms of Service. If you have any questions regarding your account, please contact [support@roborafinancial.com](mailto:support@roborafinancial.com)