Let your money grow with Annual Percentage Yield (APY) up to 3.24%*
Play your finances close to the vest with high-yield bank accounts built for real estate investors. Open as many as you need to stay organized and link each account to a unique property in your portfolio. Your transactions stay in sync for easier accounting and a smoother tax time.
Stessa is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Stessa debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.
High APY*
Collect rent and earn interest in your sleep
Stessa Cash Management accounts unlock fantastic benefits like rent collection with automated reminders and an APY up to 3.24%* for Stessa Pro subscribers. Take advantage of both to experience “rent growth” in an entirely new way.
Debit Card
Physical or virtual debit cards? Yes
Add virtual cards to your mobile wallet for easy online payments. Or order physical cards and swipe away in the real world. Whatever your preference, unique account numbers means expenses are automatically assigned to the right property.
Reliable data
Seamless integration and expense tracking
Say goodbye to broken bank connections and missing data. Stessa Cash Management accounts are tightly integrated into our full suite of accounting features. Real-time data synching means your books stay up to date with less effort.
Grow your portfolio and keep more of what’s yours.
Enjoy no junk fees and fewer restrictions with Stessa Cash Management. Open as many personal and business accounts as you like, with no minimum balance. And you won’t pay maintenance or inbound wire fees.
You can even set up a separate bank account for each rental property or portfolio of assets. Enable automated rent collection and watch your balance grow as earnings accumulate.
- No fees for bounced checks
- No minimum balance requirements
- No monthly maintenance fees
- No inbound wire fees
- Yes, up to 3.24% APY*
- Yes, open as many accounts as you like
Debit Cards
Get a card for each property and earn cash back on every purchase***
When you have multiple properties, keeping track of expenses can get tricky. With Stessa Cash Management, you can have a separate debit card for each property. Not only will you earn cash back*** on every transaction, but you’ll always know which expense goes with which property.
ReliabLE Data
Stop wasting time hunting down transactions
Stessa securely imports, categorizes, and indexes all your expenses seamlessly. Connect to banks, lenders, credit cards, and property managers to see all your data in one place.
3.24%
Max APY*
$3M
FDIC Insurance**
1.10%
Cash back***
$0
Inbound wires
What other landlords say…
Easy to use and it has everything I need to stay on top of my properties and provide my CPA with the right information. Great product!
Great tools – my CPA loves the reporting. Great interest rates.”
Ruth G
2 Properties
Two thumbs up for Stessa: What-gets-tracked-gets-improved made easy. Transactions download automatically from AppFolio and bank accounts, similar to Mint.com. Hats-off to the reps, who have answered 10+ “hard questions.”
Patrick Perigaud
2 SFR & MF Assets, Ohio & Nevada
Download our mobile app
Available for iOS and Android
Start managing your portfolio more effectively with less effort.
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Safety and security on Stessa
Multi-layer encryption, strong access controls, and robust security audits work to protect your account 24/7.
Apply for a Cash Management account today
* For Stessa/Roofstock customers with an interest-bearing deposit account in the Non-Pro or Pro Category, the interest rate and Annual Percentage Yield (APY) are dependent on the previous month’s aggregate month-end ending balances under a single login, as well as your subscription level (Non-Pro: Essentials or Manage; or Pro) and account tier with us. The rates are effective as of 04/01/2026, are variable and subject to change after account opening. Fees may reduce earnings.
Non-Pro Category:
For Essentials or Manage users, the following rates will apply:
- Essentials or Manage – Tier 1: Accounts with the previous month’s aggregate month-end ending balances under a single login between $0.00-$9,999.99 will have an interest rate of 0.53% with an APY of 0.53%.
- Essentials or Manage – Tier 2: Accounts with the previous month’s aggregate month-end ending balances under a single login between $10,000.00-$49,999.99 will have an interest rate of 0.86% with an APY of 0.87%.
- Essentials or Manage – Tier 3: Accounts with the previous month’s aggregate month-end ending balances under a single login between $50,000.00-$99,999.99 will have an interest rate of 1.20% with an APY of 1.20%.
- Essentials or Manage – Tier 4: Accounts with the previous month’s aggregate month-end ending balances under a single login between $100,000.00-$249,999.99 will have an interest rate of 1.53% with an APY of 1.54%.
- Essentials or Manage – Tier 5: Accounts with previous month’s aggregate month-end ending balances under a single login is $250,000.00 or more will have an interest rate of 1.86% with an APY of 1.88%.
Pro Category:
For Pro users, the following rates will apply:
- Pro – Tier 1: Accounts with the previous month’s aggregate month-end ending balances under a single login between $0.00-$9,999.99 will have an interest rate of 1.33% with an APY of 1.34%.
- Pro – Tier 2: Accounts with the previous month’s aggregate month-end ending balances under a single login between $10,000.00-$49,999.99 will have an interest rate of 2.00% with an APY of 2.01%.
- Pro – Tier 3: Accounts with the previous month’s aggregate month-end ending balances under a single login between $50,000.00-$99,999.99 will have an interest rate of 2.33% with an APY of 2.35%.
- Pro – Tier 4: Accounts with the previous month’s aggregate month-end ending balances under a single login between $100,000.00-$249,999.99 will have an interest rate of 2.66% with an APY of 2.69%.
- Pro – Tier 5: Accounts with the previous month’s aggregate month-end ending balances under a single login is $250,000.00 or more will have an interest rate of 3.19% with an APY of 3.24%. APY for the account may change at any time, before or after the account is opened. No minimum balance or opening deposit required. Fees could reduce earnings on the account.
** Stessa is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact [email protected] with questions on the sweep program. Pass-through insurance coverage is subject to conditions.
*** No minimum balance or opening deposit required. Fees could reduce earnings on the account. Account holders can earn 1.10% cash back on debit card purchases. Cash back earned each month will be credited to your account by the next month’s statement cycle. ATM transactions, the purchase of money orders or cash equivalents, loan payments and account funding made with your debit card are not eligible for cash back rewards. Terms and eligibility requirements apply.
Essentials is a free plan and Manage and Pro are premium subscription plans. The terms and conditions for Stessa Plans are subject to change, including pricing.
