First, download the app from the App Store or Google Play. Tellus reviews your application in seconds. Once approved, you'll be able to sign in, and choose the account type you want. Tellus uses Plaid and Stripe to securely link your bank account. After that, you can deposit money into your account and start earning interest. The company uses a service called Riskified to insure payments against certain types of fraud. When you want to withdraw money, you simply transfer it back to your linked bank account, and it will be available within a few business days.