Everyday banking, without the everyday annoyances.
One account for spending, saving and sending — in dollars or five other currencies. No minimum balance, no monthly fee, no jargon.
- No monthly maintenance fee and no minimum balance
- FDIC insured up to $250,000 per depositor
- Instant virtual cards you can freeze in a tap
$0
Monthly fee
3.85%
APY on savings
6
Currencies held
24/7
Human support
Built for how you actually spend
The essentials done properly, and nothing you didn't ask for.
Everyday checking
Direct deposit, bill pay and instant transfers between your own accounts. Your paycheck lands as soon as it clears.
Savings that earn
3.85% APY on balances, compounded daily. Move money in and out whenever you like — no notice period, no penalty.
Cards you control
Issue a virtual card in seconds, set its own spending limit, and freeze or replace it instantly if something looks wrong.
Six currencies, one account
Hold and spend USD, EUR, GBP, CAD, AUD and JPY at clear rates — useful whether you travel or get paid from abroad.
PIN-confirmed transfers
Every payment you send is confirmed with your private PIN, and we flag anything that looks out of character.
A person, not a phone tree
Message an advisor in-app and get a real reply from a real name — usually within a few minutes during business hours.
Put money aside without thinking about it
Set a target, pick a day, and we'll move the money for you. Watch it grow in the app, and pull it back the moment you need it.
Automatic transfers
Choose an amount and a schedule — weekly, fortnightly or on payday.
Daily compounding
Interest is calculated daily and paid monthly, so it adds up sooner.
No lock-in
Withdraw any time. No notice, no fee, no lost interest on what you've already earned.
Open an account in about five minutes
Most members are up and running the same day.
Apply online
Tell us who you are and upload one form of ID. No branch visit, no paperwork to print.
Get approved
Our team reviews your application — usually within 24 to 48 hours — and we'll message you the moment it's done.
Move your money in
Set up direct deposit or transfer funds from another bank, then start spending and saving.
Common questions
Is there a monthly fee?
No. Personal checking and savings have no monthly maintenance fee and no minimum balance requirement.
Are my deposits insured?
Yes — eligible deposits are FDIC insured up to $250,000 per depositor, per ownership category.
Can I hold more than one currency?
Yes. You can open wallets in USD, EUR, GBP, CAD, AUD and JPY, and move between them at clear, published rates.
How do I reach a human?
Message us from the app and an advisor replies in the same thread. You'll see who you're talking to by name.
What happens if I lose my card?
Freeze it instantly in the app, then order a replacement. A virtual card is available straight away so you're never stuck.
Open your Midwest personal account
It takes about five minutes. No branch visit, no paperwork, no pressure.