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Tuition sitting in a 0% checking account is a donation to your bank. Earn competitive yield on operating balances, campaign funds, and even the payroll taxes you're holding until they're due — with same-day access to your deposits.
Sound familiar?
The tuition collected in September funds expenses through June — sitting in a checking account earning 0% for months while it waits.
Every payroll run withholds employee taxes that aren't remitted for days or weeks — idle money, every cycle, all year.
Card settlements taking days to become usable funds — cash flow friction the school feels every week.
What you get
Operating funds, campaign reserves, and security deposits earning competitive interest from day one — through FDIC-insured partner banks.
Processing settlements available same-day — tuition collected Tuesday morning is spendable Tuesday afternoon.
Tuition, building campaign, payroll tax, and reserves in separate named buckets — clarity your board will love, transfers in one click.
No maintenance fees, no minimum penalties, no per-transaction nickels — banking that doesn't bill you for holding your money.
Live balances, yield earned, and movement history — exported straight into your treasury reporting.
when your idle balances start earning instead of sitting
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613OS is a financial technology company, not a bank. Banking services, deposit accounts, and cards are provided through licensed partner banks, Members FDIC. Yield rates variable and subject to change; deposit insurance applies through partner banks up to applicable limits. Card programs subject to approval.
Bring a recent processing statement and bank statement to your demo — we'll show you the savings and the yield, line by line.