Savings account

Hello JSporteus,

Per Set up and use Savings in Apple Wallet - Apple Support, you need to meet the following requirements:

What you need to open and maintain an account

• Be an owner or co-owner of an active Apple Card account, and add Apple Card to your iPhone.
• Update to iOS 16.4 or later.
• Be at least 18 years or older.
• Have a social security number or individual taxpayer identification number.
• Be a U.S. resident with a valid, physical U.S. address.6
• Set up two-factor authentication for your Apple ID.

I noticed you're on iPhone 7, iOS 15. You need to be on iOS 16.4 to open an Apple Savings Account.

What was the reason for declining your application?