Banking that works for real life
Earn more. Worry less. Stay in control.
Get a bank account that will help you keep more of your money.
No minimum deposit required Account opens in 5 minutes
Stay in control
Single-use virtual cards
Pause or cancel subscriptions. Keep your primary card and your balance protected.
Real-time alerts
Immediate notifications on every transaction. Spot unauthorized activity fast.
Bill Pay
Schedule payments with ease.
Mobile & online banking
Manage your account from anywhere.
Worry less
No-fee account, for life
No monthly fee options. No minimums. No "intro period."
FDIC insured
Your deposits are protected up to $250,000.
Zero liability on fraud
Zero liability on unauthorized purchases. If your card is lost, stolen, or used without permission, you're not on the hook.
Nationwide ATM access
Withdraw cash at ATMs across the country.
Earn more
Sweep to Savings
Automatically sweep idle funds into high-yield savings to earn more on every dollar.
Savings account with buckets
Earn interest while you save. Buckets let you set money aside for rent, travel, or anything else you're saving toward.
Expense categorization
Understand where your money goes, automatically.
Financial literacy and wellness
Financial literacy access included. Build confidence, while building your balance.
Choose the plan that fits your life
From no-fee everyday banking to premium full-service options, we have a plan for everyone.
Standard
Personal banking with no monthly fee
-
Everyday banking
- Checking account
- Bank Card
- Virtual cards with card controls
- Mobile & online banking
- Bill Pay
- Free in-network ATM withdrawals
-
Peace of mind
- FDIC insured up to $250,000
Premier
Everything in Standard, plus Agentic Banking
- Everything in Standard
- Agentic Banking
-
Stay in control
- Expense categorization
- Financial literacy and wellness
What's included with every account
Save, earn, and stay protected.
Bank-grade security
256-bit encryption, biometric login, and real-time fraud monitoring keep your money safe.
Fast Transfers
Send money to friends, family, or other accounts at no extra cost.
Competitive Rates
Earn interest on qualifying balances, so your money keeps working for you.
View rates24/7 Access
Bank anytime with our mobile app, online banking, and 40,000+ in-network ATMs.
FDIC Insured
Your deposits are protected up to $250,000 by the FDIC.
Other Products
Additional products for your financial needs.
Certificate of Deposit Rates
Fixed rates with guaranteed returns. FDIC insured up to $250,000.
3 Month CD
Competitive rate · Min. deposit: $500
6 Month CD
Competitive rate · Min. deposit: $500
Rates effective as of July 2026. Early withdrawal penalties may apply.
Mobile and online banking
Manage accounts, deposit checks, transfer funds, and control your cards, from your phone or computer.
- Mobile check deposit
- Instant account alerts
- P2P money transfers
- Bill pay & scheduling
- Card controls & category blocks
Be first in line for personal banking that actually works for you
No minimum deposit. No monthly fee. No strings attached.
FDIC insured up to $250,000 • 24/7 support at (620) 396-8221
1Linked savings account is coming soon.
2Savings buckets for goals is coming soon.