Banking that doesn't nickel-and-dime you.
No monthly fees, no minimum balance, and no overdraft fees up to your limit — just an account that gets out of the way, and a paycheck that can land up to two days early.
- Paycheck — direct depositPosted 2 days early+$2,150.00
- Round-up to savingsAutomatic+$3.42
- Corner CoffeeToday, 8:14 AM-$6.20
Everything the big banks charge for, free
We make money when you swipe your card, not when you slip up. That one change fixes almost everything.
Fee-free banking
No monthly fees, no minimum balance, no foreign transaction fees. Out-of-network ATM operators may charge their own fee — we're honest about that, too.
Get paid early
Direct deposits can land up to two days early. When your employer's payment file reaches us, your money does — no waiting for a posting date.
Automatic savings
Round up card purchases to the nearest dollar and sweep a slice of every paycheck into savings. Set it once and let it run.
Build credit safely
A secured charge card with no annual fee, no interest, and no credit check to apply. On-time payments are reported to all three bureaus.
Three minutes to a new bank
No branch, no appointment, no pen chained to a desk.
Apply in the app
Name, address, and Social Security number — that's it. No credit check, and no impact on your score.
Get your virtual card instantly
Add it to your phone's wallet and start spending right away. The physical card shows up in about a week.
Set up direct deposit
Switch in two taps from the app. Direct deposit is what unlocks early payday and automatic savings.
Current Deposit and Lending Rates
Oak Ridge Trust lists its active deposit and loan rates from the Rates collection, with no extra monthly charges baked in.
Rewards Checking
3.05%APY
On balances up to $10,000
Meet simple monthly qualifications to earn
12-Month CD
4.20%APY
$500 minimum
Penalty for early withdrawal
Statement Savings
1.75%APY
No minimum balance
30-Year Fixed Mortgage
6.45%APR
As low as, with autopay
Rate assumes strong credit and 20% down
Rates are subject to change without notice. As stated in our tagline, Oak Ridge Trust means fewer bank fees; see Disclosures for account-specific conditions.
Oak Ridge Trust quotes and star ratings
“I deposited a check at the ITM at 11 at night and a teller I recognized waved at me through the screen the next morning. That about sums this bank up.”
“When the hardware store flooded, Ray had a bridge loan approved before the insurance adjuster even called back.”
“They did our curbside banking with a baby asleep in the back seat and never once made it feel like a favor.”
The questions everyone asks
Is this a bank?+
No — Verdant is a financial technology company, not a bank. Banking services are provided by our partner banks, Members FDIC, and eligible deposits are FDIC-insured through them up to the legal maximum.
How is a free account a real business?+
When you swipe your card, the merchant pays a small interchange fee, and we get a share of it. That's the model. We don't need overdraft fees to keep the lights on.
What does 'up to two days early' actually mean?+
We make your direct deposit available as soon as your employer's payment file reaches us — often up to two days before the scheduled payday. Exact timing depends on when the payer submits it.
What if I overdraw my account?+
Eligible members get a fee-free cushion of up to $200 on debit purchases. We cover the gap, you pay it back with your next deposit, and nobody pays $35 for a sandwich.
Open your account in minutes.
Free to open, nothing to cancel, and your old bank never has to know.