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About the application:

Did you know that US banks today can earn on average 4–5% a year on every dollar you deposit in your bank acc, passing onto you a measly 0.01% APY in deposit interest? Beam is a supplemental, high-interest mobile bank acc that grows your money in your sleep. Download the gratis apk to earn 2–4% a year, 200x the national average. All funds are FDIC-insured through an FDIC-insured bank. Beam is a supplemental bank acc in that you do NOT need to switch banks to use Beam. How it works: 1) Connect your basic bank acc to fund Beam on your smartphone. 2) Earn 2–4% a year on your Beam balance, FDIC-insured, available anytime. 3) Access and use your Beam cash anytime, anywhere, with a lot of more possibilities to come. 4) It’s FREE. Engage everyday or invite mates to boost your APY Rewards, and earn more. Beam is currently in personal beta, which means it's accessible only to chosen customers at the front of the Beam waitlist. Sign up for the waitlist at https://meetbeam.com, refer mates to move up your spot on the waitlist and receive Beam sooner. To all our patient, forgiving Beam supporters and Beam-lievers, it is our honor to be serving your interest as we sail towards our mission of inspiring Justice and Simplicity in banking and beyond. Satisfied Beaming! Beam, banking as it could be. ALL GROWTH A mobile bank acc¹ for your iPhone that gets you paid everyday, in your sleep. Earn 2–4% a year², more than 200x the national average. ZERO FEES Stop the asterisk. Zero fees means absolutely FREE, in any possible method you can think of. FUNDS FDIC-INSURED³ Safety and safety is our top priority. Bank-level safety. 256-bit encryption, monitored 24/7. NO LOCKUP Get 24/7 access to your funds. Easily and securely move cash into/out-of your Beam acc. No minimum balance. ¹ Bank Acc Services provided by Evolve Bank & Believe; Member FDIC. ² Accurate as of 03.30.2018. Hold in mind, this rate is variable and may change. ³ FDIC insurance up to $250,000