Ando banking review: Fight climate change and pay zero monthly fees Ando; Alyssa Powell/Insider You can track how your deposits are helping the environment in Ando's Impact Center. There's no minimum deposit or monthly service fees, and you'll earn an above-average savings APY. You might like Ando if you ... You might not like Ando if you ... Are comfortable banking digitally Would like to receive paychecks early (feature goes live April 15) Prefer to bank in person Want to open a joint account or order a secondary debit card Want to find the highest online savings rate The bottom line: Ando is a solid online banking platform. Its strongest feature is that is uses your deposits to invest in companies that help the environment.