We are a fully licensed, federally regulated institution. Independent audits, bank-grade encryption and round-the-clock monitoring stand behind every account we hold.
Eligible deposits are federally insured up to $250,000 per depositor, per ownership category.
Every session is protected with TLS 1.3 and AES-256 encryption, in transit and at rest.
Machine-learning models review activity in real time and alert you the moment something looks wrong.
Report unauthorised card or transfer activity and you will not be held responsible for the loss.
Day-to-day accounts, savings, cards, lending and international payments — built on one platform, managed from one login.
No branch appointment, no paperwork to post. Three straightforward steps and your account is live.
Apply online in about five minutes. Share a few details, upload a photo ID, and our identity checks confirm you instantly in most cases.
Move money in by transfer from another bank, direct deposit or mobile cheque capture. There is no minimum opening balance.
Your debit card ships the same week. Pay, transfer, save and track every transaction from the app or online banking, wherever you are.
Check balances, move money, freeze a lost card and talk to a real person — all from an app designed to be fast, clear and secure.
For more than fifteen years we have combined the strength of a national bank with the care of a local one, and we have the rates, technology, and service to prove it.
One straightforward account with the essentials built in. What you see on this page is what you pay — nothing buried in a footnote.
Keep your account open with a zero balance. No minimums, no dormancy charges, no surprise deductions.
A chip-and-PIN Mastercard debit card, replaced free of charge if it is ever lost or compromised.
Send and receive ACH payments between banks at no cost, with same-day settlement on eligible transfers.
Wire funds to 90+ countries at the mid-market exchange rate plus one clearly stated flat fee.
Reach a UK- and US-based support team by phone, secure message or live chat, any hour of the day.
Competitive tiered interest on savings balances, credited monthly, with no notice period to withdraw.
Rated highly by the people who use us every day — for clear pricing, quick answers and technology that simply works.
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A few of the things new customers ask us most. If your question is not here, our team is one message away.
Still have a question? Talk to our team
Open your account online in minutes. No paperwork, no branch visit required. Join the hundreds of thousands who bank smarter with us.
