TBH, charging people to use a savings app felt kind of weird to us.
So Monorail costs $0 to use and includes access to all features.
There are a handful of fees to be mindful of as you use your account: card replacement, account dormancy, stop payment requests, and international card use.
You can see the breakdown of those fees under the main menu.
But at the end of the day, it’s just you and your money. As it should be.