{"account":{"slug":"x-money-account","bank":"X Money","name":"Account"},"status":"recent","lastVerified":"2026-10-23","officialSource":"https://money.x.com/en","history":[{"date":"2026-10-19","apy":"Previously recorded: 4.00% with legacy Premium; 6.00% with Premium+ or qualifying deposits","monthlyFee":"Previously recorded: paid access required at $8/month or $40/month","minimumOpen":"None listed","atm":"Previously recorded: unlimited worldwide operator-fee rebates","note":"Superseded site snapshot. The October 23 review corrected incomplete tier, state and fee information; this entry does not establish that these old claims were accurate or that bank terms changed on this date."},{"date":"2026-10-23","apy":"4.00% or 6.00% depending on tier and qualifying deposits; New York residents receive no interest","monthlyFee":"$0 monthly account fee; optional paid X subscription and service fees are separate","minimumOpen":"No opening minimum specified in the reviewed disclosures","atm":"FAQ: any current paid plan or legacy Premium/Premium+ gets unlimited operator-fee rebates; others get up to $4 each for two withdrawals per month, reimbursed within 3 calendar days","note":"Corrected the prior site record using current primary sources, including October 12 variable rates, free and legacy tiers, New York exclusion, rewards MCC exclusions and tier-specific fee limits. See the evidence log for the source checks.","sourceUrl":"https://money.x.com/en/i/interest-faq","sourceLabel":"X Money rates, effective October 12, 2026"}],"verificationEvents":[{"id":"3ec860a4-8700-4757-9673-ac4d3690efff","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-23T05:20:29.817Z","recordedAt":"2026-10-23T05:20:29.818Z","sourceUrl":"https://money.x.com/en/i/fdic-conditions","sourceLabel":"X Money pass-through insurance conditions","outcome":"confirmed","summary":"Checked beneficial ownership, custodial records and identifiable depositor interests required for pass-through coverage.","changedFields":["fdic","sections"],"previousHash":"2a0bbbb1cc28323df184d8189bbb8e8e67e2bb491788121df2f794236808bc50","recordHash":"fdd0ef81c4724a4897beece7c66f9436a419ece07c3e1ecc985f358cc9ce83c9"},{"id":"f1047ebe-656d-4373-aece-a76d71bdee6f","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-23T05:20:29.745Z","recordedAt":"2026-10-23T05:20:29.746Z","sourceUrl":"https://money.x.com/en","sourceLabel":"X Money product and sweep disclosures","outcome":"confirmed","summary":"Checked select-user US 18+ rollout, early direct deposit, payment features, no debit foreign transaction fee and up-to-$10M sweep coverage subject to conditions. No firsthand service-performance rating claim is made.","changedFields":["features","fdic"],"previousHash":"ea60571a0f4bb913a5530ada6ee0d8929bbddee5183146aa791fb7542ac0302f","recordHash":"2a0bbbb1cc28323df184d8189bbb8e8e67e2bb491788121df2f794236808bc50"},{"id":"d0784acc-a08e-4752-b615-7a9853740e1e","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-23T05:20:29.668Z","recordedAt":"2026-10-23T05:20:29.669Z","sourceUrl":"https://money.x.com/en/i/stored-value-account","sourceLabel":"Cross River stored-value agreement and fee disclosures","outcome":"confirmed","summary":"Checked zero monthly account fee, instant withdrawal fee, wires, no credit feature, New York interest exclusion and conditional bank coverage. No numeric opening minimum was specified in reviewed disclosures.","changedFields":["monthlyFee","minimumOpen","fdic"],"previousHash":"b7789edaafcaeeca67ccb80aba878a5d6e42c48d20ac657b14155f464a48dbe2","recordHash":"ea60571a0f4bb913a5530ada6ee0d8929bbddee5183146aa791fb7542ac0302f"},{"id":"35516782-065d-4b46-8383-abab0ff1dcae","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-23T05:20:29.598Z","recordedAt":"2026-10-23T05:20:29.599Z","sourceUrl":"https://money.x.com/en/i/cashback-rewards-terms","sourceLabel":"X Card cashback rewards terms","outcome":"changed","summary":"Corrected eligible 1% versus up-to-3% rewards, qualifying-deposit boost, weekly settlement and MCC exclusions including utilities, wholesale clubs and insurance. Rates and caps may vary.","changedFields":["features","plans","cons"],"previousHash":"39dc5cd21b1d319cc2d8d8d771a333cde16b0e0b89c5474124c8aef31ef3ea95","recordHash":"b7789edaafcaeeca67ccb80aba878a5d6e42c48d20ac657b14155f464a48dbe2"},{"id":"4f33ea89-3d0b-4dba-a93f-223ab8ad8993","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-23T05:20:29.530Z","recordedAt":"2026-10-23T05:20:29.531Z","sourceUrl":"https://money.x.com/en/i/faq","sourceLabel":"X Money official FAQ","outcome":"changed","summary":"Rechecked account access, funding and payment features, tier-specific ATM rebates and service fees. FAQ caps other users at two rebates of up to $4; agreement describes rebates generally, so copy directs readers to applicable app terms.","changedFields":["features","atm","plans","pros","cons","ourTake","sections","faqs"],"previousHash":"0553b46218755c556e9e82dfeaf24c46e3e4e6944350dc66449ca2b0772b8641","recordHash":"39dc5cd21b1d319cc2d8d8d771a333cde16b0e0b89c5474124c8aef31ef3ea95"},{"id":"8e76f465-dfba-4330-aee4-1d97fe735e00","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-23T05:20:29.462Z","recordedAt":"2026-10-23T05:20:29.462Z","sourceUrl":"https://money.x.com/en/i/interest-faq","sourceLabel":"X Money rates effective October 12, 2026","outcome":"changed","summary":"Corrected prior site snapshot: current and legacy tier mapping, free-tier deposit boost and New York interest exclusion. Review date is not a bank change date.","changedFields":["apy","monthlyFee","plans","lastVerified","termHistory"],"facts":{"standardAPY":4,"eligibleAPY":6,"qualifyingDeposits":1000,"trailingDays":34,"newYorkInterest":false},"previousHash":"c47eafbb49e791292eb4ed0f04cce8c4e6183b3785ca2afef4dfdfd58ec7e91b","recordHash":"0553b46218755c556e9e82dfeaf24c46e3e4e6944350dc66449ca2b0772b8641"},{"id":"4a0b4a40-50cd-4f73-a2bd-ceca1ab03172","entityType":"bank-account","slug":"x-money-account","checkedAt":"2026-10-19T12:00:00.000Z","recordedAt":"2026-10-19T11:43:31.352Z","sourceUrl":"https://money.x.com/en","sourceLabel":"X Money (X Premium) banking page","outcome":"confirmed","summary":"Terms unchanged","changedFields":[],"previousHash":"afd8ace4da7a2955a0066b0cdc19597d336dc42d9a3182c51c58ee19ffe85f65","recordHash":"f6a20e882519b5149da345d5cd4275edc3a75d5b6a1b0747759c5aad60a5eaad"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}