Current customers only earn 4.00% APY on up to $2,000 per Pod (accounts come with only one Savings Pod or upgrade to a Premium Account for $4.99/month to create up to 3 of them) and are not able to automatically save where, for free, One customers can earn 1.00% APY* on $5,000 or $25,000 with qualifying direct deposit in their Save Pocket and 3.00% APY* in their Auto-Save Pocket. Current customers do not have the option to enroll in credit building where One customers can enroll in Credit Builder. Current customers are not able to share an account with anyone where One customers can share up to 99 Pockets.