Big fan of Fold. Would use it way more if my employer let me direct deposit anywhere else besides an account held with them...

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Can you transfer funds deposited in your employer account to Fold? An extra step but could be worth it.

I can. The issue is there are only a couple ways to do so. One is via ACH, which has a long delay before funds arrive in Fold, and the other is via Debit Card, which has a 2% fee, cutting into the sats-back benefit.

If you allow yourself enough time to receive the transfer, I think it would be worth your time. My biggest mark against Fold is transferring between accounts and the lack of Zelle. I just linked my BoA to my Fold account. I’m about to find out how long a transfer takes.