Banking,
refined.
Fee-free checking, high-yield savings, and a debit card that pays you back. Built with the security of a global bank, the speed of fintech.
Every feature you'd expect. None of the friction.
Early direct deposit
Get paid up to 2 days earlier with qualifying direct deposits.
Fee-free checking
No monthly fees, no overdraft fees, no minimums. Ever.
4.50% APY savings
Earn over 10× the national average on every dollar you save.
Instant transfers
Move money between accounts and friends in seconds, 24/7.
Card controls
Freeze, unfreeze, and set spending limits from your phone.
Fraud protection
Real-time alerts and zero-liability coverage on every swipe.
Mobile check deposit
Snap a photo. Funds are typically available the next day.
Smart insights
Personalized nudges that help you save without thinking.
A dashboard that actually helps you decide.
Live balances, spending insights, savings goals, transactions, credit score, and your investment portfolio — all in one beautifully designed home.
- Live balance across every account
- Categorized spending in real time
- Custom savings goals with auto-rules
- Credit score with weekly updates
- Investment portfolio at a glance
- Whole Foods MarketGroceries-$84.21
- Payroll · Acme IncIncome+$3,250.00
- SpotifySubscriptions-$10.99
- Transfer to SavingsTransfer-$500.00
Built to bank-grade. Reviewed every day.
We meet the same security standards as the country's largest banks — verified by independent auditors and monitored around the clock.
FDIC insured
Deposits insured up to $250,000 per depositor.
256-bit encryption
Bank-grade encryption on every byte in transit and at rest.
Biometric login
Face ID, Touch ID, and hardware-backed device keys.
24/7 fraud monitoring
ML-powered alerts the moment anything looks off.
Your entire bank, in your pocket.
Deposit checks, pay bills, send money, manage cards, and track every dollar — all from an app that's been rated 4.9 on the App Store.
A debit card with rewards that feel like credit.
Earn up to 1% back at thousands of merchants. Tap to pay anywhere Visa is accepted. Freeze and control everything from your phone.
- Up to 1% cash back
- No foreign transaction fees
- Apple Pay & Google Pay
- Instant card freeze
An account for every kind of money.
All FDIC insured. Open in under 3 minutes. No hidden fees, ever.
Essential
Most popular for everyday banking
- Fee-free checking account
- Early direct deposit
- Mobile check deposit
- Free Meridian debit card
- 55,000+ fee-free ATMs
Premium
Per month · waived with $5k balance
- Everything in Essential
- 4.50% APY savings
- 0.5% cash back on debit
- Out-of-network ATM fees refunded
- Priority 24/7 support
Business
Per month · for teams up to 25
- Business checking + savings
- Unlimited ACH transfers
- Multi-user permissions
- Accounting integrations
- Dedicated account manager
The bank people switch to.
"Switched from a big bank last year. I'm earning more interest in a month than I did all of last year."
"The app is genuinely the best in the category. Everything just works, and I get paid 2 days early."
"Their fraud alerts caught a charge in seconds. Replaced my card from the app. Done in two minutes."
Questions, answered.
Open your account in 3 minutes.
No fees. No minimums. No paperwork. Just better banking.