How do you calculate the amount to deposit? We will invest the minimum of: Your clients’ current bank balance minus the minimum bank balance they’ve set The maximum amount they’re willing to invest at a time We will never transfer more than your clients are willing to invest at a time, and we will not transfer money out of their account to cause them to fall below the minimum bank balance they’ve set. Related articles How is SmartDeposit different than auto-deposits? How does SmartDeposit help protect against overdrafts? Which goals can my client link to SmartDeposit? What is SmartDeposit? Can you help us create a trust?