Personal banking
A checking account that gets out of your way.
No monthly fee, no minimum balance, and instant visibility into every deposit and withdrawal — the way an everyday account should work.
Built for how you actually spend.
No surprise fees, no hidden minimums — just an account that does what you expect, every time.
$0 monthly fee
No minimum balance, no direct-deposit requirement, no catch — ever.
Instant balance visibility
Every transaction posts to your dashboard the moment it settles, not the next business day.
OTP-confirmed transfers
Every outbound transfer requires a fresh, expiring one-time passcode sent straight to you.
Smart account freeze
Every account you own is frozen automatically the instant something looks off — contact support to unfreeze.
Global transfers built in
Send SWIFT, IBAN, and BIC transfers to beneficiaries around the world from the same account.
Clear statements
Download a clean transaction history any time — no digging through a clunky export tool.
What's included.
| Monthly maintenance fee | $0 |
| Minimum opening deposit | $0 |
| Minimum balance requirement | None |
| Domestic transfer fee | Tiered — see rates & fees |
| International transfer fee | Tiered — see rates & fees |
| OTP-verified sign-in & transfers | Included |
| Smart account freeze | Included |
Common questions.
Open your checking account in minutes.
No branch visit required — just verification, and you're in.