Insured up to $250,000 per depositor
Most applications answered within hours
Phone, secure message and branch appointments
Every rate published before you apply
Overview
Open a checking or savings account in minutes and manage every dollar from your phone. Our zero-fee everyday accounts carry no monthly maintenance charge, no minimum balance, and no surprise costs, so more of your money stays yours.
From automatic savings goals to instant spend notifications, you get the tools to budget with confidence and grow your balance a little every day.
Features
Practical, well-built features that hold up in everyday use — not a list of specifications you will never touch.
A full-featured checking account with no monthly maintenance fee and no minimum balance to keep.
Grow your balance faster with competitive interest paid monthly and automatic round-up deposits.
Deposit checks, move money, and freeze your card in seconds from our top-rated iOS and Android app.
Link your savings for automatic transfers and skip overdraft fees on everyday purchases up to $200.
Set up direct deposit and access your paycheck up to two days sooner than a traditional bank.
Withdraw cash fee-free at more than 55,000 in-network ATMs right across the country.
How It Works
No branch queues and no paper forms. Here is exactly what happens once you decide to go ahead.
Create your profile, tell us a little about yourself and upload one government-issued ID. Most applications take under ten minutes end to end.
Identity and compliance checks run on encrypted infrastructure, and you can follow progress in real time from your dashboard.
Move money in by transfer, mobile deposit or payroll direct credit, then activate your card and add it to your digital wallet.
Pay, save, borrow and track every transaction around the clock, with a specialist on hand whenever a decision needs discussing.
The Benefits
We designed personal banking to be simple, transparent, and genuinely free of the fees that add up elsewhere. Your account is protected by FDIC insurance up to $250,000 and secured with real-time fraud monitoring.
Why Bank With Us
Regulated, capitalised and independently audited — with a service model built around people rather than call queues.
We hold a full banking licence and eligible deposits are protected up to $250,000 per depositor. Capital and liquidity positions are independently audited every year.
Sessions are encrypted end to end, sign-in is multi-factor by default, and a dedicated team monitors transactions around the clock for unusual activity.
Every customer can reach a specialist directly. Complex applications are owned by a named banker who sees them through to completion.
Customer Voices
The application took twelve minutes and the money landed the next morning. I have dealt with banks for twenty years and nothing has been that straightforward.
Marcus Bell
Customer since 2019
What sold me was the pricing page. Every fee was there in plain English before I applied, and twelve months on there has not been a single surprise on a statement.
May Johnson
Customer since 2021
I called on a Sunday expecting a recorded message and got a specialist who knew my file. That is the difference between a bank and a banking app.
Helena Vogt
Customer since 2018
Questions & Answers
If your question is not answered here, a specialist will give you a straight answer in one call.
Next Step
It takes about five minutes to open a zero-fee checking or savings account online, with no branch visit required.
