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 Is there a minimum deposit or balance? How is SmartDeposit different than auto-deposits? Can my client have both SmartDeposit and auto-deposits enabled?