When you open a payroll certificate, money is automatically transferred from your direct deposit into the payroll certificate each time you get paid. Use it to save for Christmas, an upcoming bill, a fabulous vacation, a wedding or anything else you can think of! You can set the term so you’ll have access to what you’ve saved right when you need it! Your rate will be based on the term you select (3 to 12 months). You only need $20 to open one, so start yours today!