Our story
Built for the paycheck-to-paycheck majority
We started with an uncomfortable observation: the people with the least money pay the most to hold it. Monthly maintenance fees, minimum-balance fees, overdraft fees stacked three deep on a Tuesday — the traditional model charges you for being broke.
So we flipped the model. We earn a small slice of interchange when you swipe, which means we do well when you use your account — not when you fall behind. Everything else follows from that one decision.
- No-fee model funded by interchange, not overdraft
- Banking services through partner banks, Members FDIC
- Support in the app, around the clock
- Millions of members and counting
- $0
- Monthly fees, forever
- 2 days
- Early access to direct deposit
- 55,000+
- Fee-free ATMs
- 4.8
- Average App Store rating
Members
Members tell it better
“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.”