Both keep a minimum bank balance in your account and move the rest to Rivo to earn. The difference is whether money comes back on its own. Autopilot moves money both ways. You set your minimum bank balance, or use the one we recommend. Autopilot then watches your upcoming bills and spending, moving extra cash out to earn and moving it back as your account needs it. You can also withdraw manually any time. Copilot only moves money out. Once a day we check your connected account, and if you're more than $100 above your minimum, we move the excess to Rivo to start earning. Moving money back to your bank is up to you. Either way, you'll get an alert before a planned transfer so you can cancel it.
Investments in T-bills: Not FDIC Insured - No Bank Guarantee - May Lose Value. All U.S. treasury investments and investment advisory services provided by Jiko Securities, Inc., a registered broker-dealer, member FINRA and SIPC. Securities in your account are protected up to $500,000. For details, please see www.sipc.org. Banking services provided by Jiko Bank, a division of Mid-Central National Bank. Jiko Group, Inc. and its affiliates do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. See FINRA BrokerCheck, Jiko U.S. Treasuries Risk Disclosures and Jiko Securities Inc. Form CRS.