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
Check balances, pay anyone, freeze a card and talk to a real person — from the street corner or the other side of the world.
Trusted by families and businesses around the world
Joint accounts for the grown-ups, savings pots the kids can watch grow, and shared goals the whole family can chip in to — with alerts that keep everyone in the loop.
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.”