Personal Accounts
Choose the account that fits your lifestyle. Zero hidden fees, institutional-grade security.
Premium Checking
0.5% APYMonthly Fee
$0
waived with direct deposit
- Unlimited transactions with no caps
- Free debit card on issuance
- No ATM fees at 40,000+ nationwide ATMs
- Free domestic wire transfers
- Mobile check deposit with instant clearance
- Priority 24/7 customer support access
Deposits are FDIC-insured up to the maximum legal limit of $250,000 per depositor, per institution.
High-Yield Savings
4.2% APYMonthly Fee
$0
waived with $300 min balance
- Industry-leading 4.2% APY growth
- Interest compounded daily, paid monthly
- Auto-save round-up on every purchase
- Custom savings goals with progress tracking
- FDIC insured up to $250,000
- No withdrawal penalties on first 6/month
Deposits are FDIC-insured up to the maximum legal limit of $250,000 per depositor, per institution.
Monthly Maintenance Fee Criteria
| Condition | Premium Checking | High-Yield Savings |
|---|---|---|
| Direct deposit enrolled | Fee waived | Fee waived |
| Minimum daily balance | $0 required | $300 required |
| Monthly maintenance fee | $0 | $0 |
| Excess withdrawal fee | None | $5 after 6/month |
| Overdraft fee | $0 (2 free/year) | N/A |
Overdraft Protection Settings
Overdraft Protection Transfer
FreeAutomatically transfer funds from your linked savings account to cover overdrafts. $0 transfer fee.
Overdraft Grace Zone
FreeWe won't charge an overdraft fee if your account is overdrawn by $5 or less at end of business day.
Courtesy Overdraft
$0/itemWe may authorize ATM and debit card transactions even if you don't have sufficient funds. $0 per item (2 free per year).
Automated Direct Deposit Routing Tutorial
Get Your Numbers
Find your 9-digit routing number and account number in the app under Accounts → Direct Deposit.
Provide to Employer
Share the pre-filled direct deposit form with your employer's HR or payroll department.
Receive First Deposit
Most employers begin direct deposit within 1–2 pay cycles. You'll get an instant notification.
Enjoy Fee Waiver
Once active, your monthly maintenance fee is automatically waived — permanently.
Ready to set up direct deposit?
Routing: 021000021 · Account: 4000-XXXX-XXXX
Member FDIC
Deposits are FDIC-insured up to the maximum legal limit of $250,000 per depositor, per institution.