0.01% APY
Everyday Checking
The account the rest of your money moves through.
- No monthly service fee
- Early direct deposit
- Zelle-style instant sends
- 60,000 fee-free ATMs
No monthly fee on checking, 4.35% APY on savings, and a real banker on the line whenever anyone in the household needs one — wherever in the world they happen to be.
Every account, card and payment in one place. Freeze a card in a tap, move money between the family’s accounts instantly, and see every transfer with a reference you can quote.
No monthly fee on Everyday Checking, no minimum on savings, and a rate that does not quietly expire after three months.
The account the rest of your money moves through.
A rate that actually keeps up, with nothing locked away.
2% back on everything, no categories to remember.
ACH, wires, bill pay and instant sends, each with a confirmation number and, where the network gives one, a real ACH trace number or Fedwire IMAD. When something goes missing, that is the difference between a search and a shrug.
A one-time code on every sign-in and every outside payment. A transfer PIN of your own. New recipients read by a person before the first payment reaches them. Alerts within seconds, wherever the money went.
On every sign-in, and again before an outside transfer is accepted.
Sign-ins, payments, card activity and profile changes, as they happen.
Lock a card, set daily limits, turn international use on or off.
You are not liable for unauthorised card transactions reported promptly.
Dual approval on outgoing payments, role-based access so a bookkeeper can reconcile without moving money, same-day ACH origination and next-business-day merchant settlement.
Same-day ACH origination took two days out of a payroll run for 640 drivers.
A construction facility drawn against surveyed progress rather than a fixed calendar.
“A bank is a promise that the number on the screen is the number you can have. Everything we build here is downstream of keeping that promise legible.”
No monthly fee on Everyday Checking, 4.35% APY on savings, and a banker who answers when you call.