Hello Product Hunt! We’re fixing the broken checking account.

Hi Product Hunt community!

We are the team behind Tovo.

We built Tovo because we were tired of the "money dance"—constantly moving cash between a High-Yield Savings Account (to earn interest) and a Checking Account (to pay bills). It felt outdated that our "spending money" sat earning 0% interest.

So, we built a Checking Account that pays like a Savings Account.

The Core Value:

• Liquidity: It’s a fully functional checking account for your daily needs.

• Yield: Waitlist members start at a 4.0% APY base.

• Safety: Funds will be FDIC insured through our partner bank upon launch.

The Waitlist Boost (Why join now?): We’ve gamified our pre-launch to reward early adopters. You can "stack" your APY before we even go live:

• The Jump: Refer just 1 friend, and your rate locks in at 4.5% APY.

• The Stack: For every additional friend, you get another +0.10% APY.

Transparency Note: To make this sustainable for a checking product, these promo rates apply to balances up to $25k for the first 6 months post-launch.

Check out the full details and lock in your rate here: tovo.global

We need your feedback: We are finalizing our features for launch. Does a high-yield checking account solve a pain point for you? Is the referral boost compelling?

We’d love to hear your thoughts, questions, or feedback in the comments below!

Thanks,
The Tovo Team