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 long does it take to transfer funds? How does SmartDeposit help protect against overdrafts? Which goals can my client link to SmartDeposit? How is SmartDeposit different than auto-deposits? What do you do with my clients’ bank balance information?