4) And finally, it takes forever for money to deposit or be processed. $0 annual fee. These accounts also earn interest rates ranging from 2.70% p.a. A savings account is a bank account that is beneficial for salaried individuals or those with a regular monthly income. However, you can’t earn money instantly; you’ll need to build up a balance of $10 first, which can then be redeemed for either Amazon or iTunes gift cards. Low Deposit: Capital One Platinum Secured Credit Card $35 annual fee. It seems a day or two longer than other banks. KreditBee. Want to earn free cash from your phone and earn it quickly? You can reach out to your bank directly if your transfer is … You can safely transfer the money to the above account number. 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