Banking
Personal Banking

Personal. Online. Banking.

We offer personal accounts that are easy to open — no fees, no minimums, 4.25% APY

Coming Soon
Checking
$2,342.50
Savings
$4,500.00
Savings APY
4.25% · earned daily
Personal Banking

Send. Save. Spend.

With a modern account, you can send, receive, and spend faster, cheaper, and more easily. Instant transfers, early paychecks, and high-yield savings with transparent fees and no hidden costs or complications

USD (Savings)
$4,500.00
▲ 4.25%APY
+$15.94
DecJanFebMarAprMay
Join the waitlist launching soon
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The Basics

Banking. Without. Fees.

No hidden fees, no gimmicks. Just a better bank account that helps your money grow

$0
Monthly Fees
4.25%
Savings APY
2 days
Early Direct Deposit
55K+
Fee-Free ATMs
Features

Your. Money. Your Way.

Checking, savings, a smart debit card, and tools to help you spend less and save more

HH
Main account
$6,842.50
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Monthly fee
HL Hunt
$0.00
💳
Overdraft fee
HL Hunt
$0.00
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ATM fee
55K+ network
$0.00
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Foreign fee
Worldwide
$0.00
Zero Fees
Enjoy transparent pricing with no monthly, overdraft, or hidden charges
4.25% APY Savings
Early Payday
Instant Transfers
1.5% Cashback
No Overdrafts
FDIC Insured
55K+ Free ATMs
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Spend Anywhere
Use your card in 150+ countries with zero foreign transaction fees
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Direct deposit
Employer payroll
+$2,180.00
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Zelle transfer
Instant · no fee
+$350.85
Instant Transfers
Send and receive money across accounts and borders in seconds
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In processing...
$1,450.00
2 sec..
Real-Time Payments
Rent, bills, and transfers settle in seconds — not days
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Secure Transactions
Advanced encryption and security protocols keep your money and data safe
Everything Included

More. Than. A Bank.

Every feature you need, zero fees you don't. All included from day one.

Personal Checking
No monthly fees, no minimums, real routing & account number
4.25% APY Savings
10x the national average. Earn interest daily, no lock-ups
Smart Debit Card
Virtual + physical card, instant notifications, 1.5% cashback
Early Direct Deposit
Get your paycheck up to 2 days before everyone else
Savings Goals
Create unlimited buckets — vacation, emergency, new car, anything
Round-Up Savings
Automatically round up every purchase to the nearest dollar and save
Mobile Banking
Full-featured iOS & Android app with biometric login
Instant P2P Transfers
Send money to anyone instantly — by phone, email, or bank
Bill Pay & Autopay
Pay all your bills from one place. Set it and forget it
Smart Budgeting
AI auto-categorizes spending with budgets and alerts
55K+ Free ATMs
Allpoint & MoneyPass networks. No out-of-network fees ever
No Overdraft Fees
We'll never charge you for going a little over. Period
Mobile Check Deposit
Snap a photo and deposit checks instantly from your phone
FDIC Insured
Your deposits insured up to $250K through our partner bank
Instant Card Lock
Lost your card? Freeze it in one tap from the app
Credit Building
Build your credit score with HL Hunt Credit Builder (coming soon)
Real-Time Alerts
Instant push notifications for every transaction, login, and change
No Foreign Transaction Fees
Use your card anywhere in the world with zero markup
How It Works

Open. In. Minutes.

No branches, no paperwork, no credit check. Your account is live before your coffee is ready.

1
~2 min
Sign Up
Create your account with just your basic info. No credit check, no minimum deposit, no impact on your score.
2
~1 min
Fund Your Account
Link any bank instantly or set up direct deposit. Get your virtual debit card the moment money lands.
3
Instant
Start Earning
Your savings begin earning 4.25% APY immediately, and your paycheck starts arriving up to 2 days early.
Pricing

One Account. Zero Fees.

No tiers, no upsells, no gotchas. Everyone gets everything.

Personal
$0/mo
free forever — no minimums
Includes everything
  • Checking + savings
  • 4.25% APY savings
  • Virtual + physical debit card
  • Early direct deposit
  • 55K+ free ATMs
Coming Soon
Everything Included
Personal Plus
$0/mo
with qualifying direct deposit
Unlock with $500+ DD
  • Everything in Personal
  • 1.5% cashback on purchases
  • Credit builder tool
  • $0 international fees
  • Priority support
Coming Soon
Family
$5/mo
for the whole household
Perfect for families
  • Everything in Plus
  • Up to 5 sub-accounts
  • Teen debit cards
  • Parental spend controls
  • Shared savings goals
Coming Soon

Better. Banking. Starts Here.

No fees, no minimums, no complications. Just a bank account that actually works for you.

Coming Soon
FDIC insured · No credit check to open · Takes under 2 minutes


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