{"account":{"slug":"square-checking","bank":"Square","name":"Square Checking"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://squareup.com/us/en/banking/checking","history":[{"date":"2026-06-11","apy":"None on checking; Square Savings pays 1.00%, or 3.50% with $10,000+ saved","monthlyFee":"$0","minimumOpen":"None (requires a Square seller account)","atm":"No Square ATM fees but no reimbursements; withdrawal limits can run as low as $2,000/month","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"None on checking; Square Savings pays 1.00%, or 4.25% with $10,000+ saved","monthlyFee":"$0","minimumOpen":"None (requires a Square seller account)","atm":"No Square ATM fees but no reimbursements; cash deposits at participating retail stores","note":"Square Savings top tier now 4.25% APY at $10k+ (1.00% below); $0 fees, Sutton Bank pass-through FDIC and $2.5M savings coverage reconfirmed; retail cash deposits added","sourceUrl":"https://squareup.com/us/en/banking/savings","sourceLabel":"Square Checking and Square Savings pages"}],"verificationEvents":[{"id":"c3171950-0c43-4164-b219-aa285590b570","entityType":"bank-account","slug":"square-checking","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:17.966Z","sourceUrl":"https://squareup.com/us/en/banking/savings","sourceLabel":"Square Checking and Square Savings pages","outcome":"changed","summary":"Square Savings top tier now 4.25% APY at $10k+ (1.00% below); $0 fees, Sutton Bank pass-through FDIC and $2.5M savings coverage reconfirmed; retail cash deposits added","changedFields":["apy","atm"],"facts":{"apy":"None on checking; Square Savings pays 1.00%, or 4.25% with $10,000+ saved","monthlyFee":"$0","minimumOpen":"None (requires a Square seller account)","atm":"No Square ATM fees but no reimbursements; cash deposits at participating retail stores"},"previousHash":"2e985e5c99d2f2229a54b7658762112e411b4a9e384ea8265f03fe540520ce75","recordHash":"6eb3ed87ed4292a718e23cf86a2aa4c67db6a66d41db0776410c92329b208306"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}