Featured
High-yield savings
4.20% APY — around 10× the big-bank average. No minimum, no caps, no teaser rates.
No fees · No minimums · 4.9★ in the App Store
A bank account that pays you to save.
Higher APY than the big banks. No fees, no minimums, no overdraft surprises. Balances are held at our partner banks and covered by deposit insurance up to the applicable limit.
Balances are held at our partner banks
Cedar Trust Bank
Harbour National
Meridian Savings
Northgate Bank
01What's in the app4-minute signup
The whole money picture, one app
Built compliance-first — the boring way, on purpose.
No-fee checking
No monthly fees, no overdraft fees, free ATM access at 55,000 machines.
Auto-investing
Auto-invest from $1 into ETF portfolios and retirement accounts. $0 commissions.
Bills + budgeting
Spending auto-categorised, bills predicted, end-of-month forecast on the home screen.
Real security
End-to-end encryption, enforced 2FA, instant card freeze from the app.
Humans, 24/7
Support answered by people around the clock. Median wait under 2 minutes.
02By the numbersUpdated quarterly
- $2B+
- Held at our partner banks
- 4.20%
- APY on savings
- $0
- Monthly fees — ever
- 4.9★
- App Store · 28k reviews
Against the big banks
Them
Big banks
- Savings APY
~0.45% average
- Monthly fees
$5–15 unless waived
- Overdraft fees
$25–35 each
- Account opening
Branch visit + wait
- Deposit insurance
Us
Us
- Savings APY
4.20%
- Monthly fees
$0
- Overdraft fees
None — we decline, free
- Account opening
4 minutes in the app
- Deposit insurance
03Switch plans anytime
Plans
The core account is free forever. Upgrades add yield and perks — never basic safety.
The promise
No fee you did not choose
No monthly fee, no minimum balance, no overdraft fee, no inactivity fee, and no fee for closing your account and taking your money elsewhere. If a charge ever appears that you did not pick, we refund it and tell you what went wrong.
- No monthly or minimum-balance fee on any plan
- Declined instead of overdrawn — the decline is free
- Free transfers in and out, including the one that closes the account
- Rate changes announced 30 days ahead, up or down
Out-of-network ATM operators set their own surcharge; Plus reimburses up to $20 a month. Card transactions in another currency use the network rate with no markup added by us. Paid plans are billed monthly and can be cancelled at any time.
What users say
4.9·28,480 reviews
04Safety first, always
Questions before you switch
Is my money actually safe?+
Your balance sits at our partner banks in your name, covered by deposit insurance up to the applicable limit, and we never lend it out. The current partner list and limits are on the rate page.
How long does signup take?+
About four minutes — ID, SSN, and a starting deposit. Most accounts are live before you put the phone down.
What about moving from my old bank?+
Plaid-powered switching pulls direct deposit and recurring bills over in a few taps. We send the break-up letter to your old bank too.
Are there hidden fees?+
No monthly, overdraft, or minimum-balance fees. Out-of-network ATMs cost what the operator charges — Plus reimburses up to $20/month.
Is the APY a teaser rate?+
No. 4.20% is the standing rate on all balances, moved with the Fed rate — up and down — and published on the rate page.
What happens if you shut down?+
Balances sit at the partner banks in your name, not on our balance sheet, so the insurance and the payout run through them exactly as they would for any of their own customers.
Open an account in four minutes.
No fees, no minimums, insured at our partner banks. Bring the rest of your money when you're ready.
Held at partner banks · No fees · 4-minute signup
Get the app
Drop your email and we'll send the download link — plus press, partnerships, and investor contacts below.