One account, three ways to move money: a savings balance that earns daily, a debit card for everyday spend, and a credit card that turns purchases into rewards — all reconciled in a single ledger.
Deposits insured up to $250,000 through our partner bank, member FDIC.
Earn, spend, and borrow live under the same balance — no shuffling money between apps to see where you stand.
Interest accrues every night and lands in your balance every month — not quarterly, not on a promo rate that resets. What you see is what you keep earning.
Tap to pay, freeze it from your phone in one tap, and get real-time alerts on every transaction. No foreign transaction fees, anywhere it's accepted.
Cashback deposits straight into savings, where it starts earning APY the same day — instead of sitting in a separate rewards balance you forget to redeem.
No branch visit, no minimum deposit to get approved.
Verify your identity and answer a few questions — most applicants get a decision in under a minute.
Link an existing account or transfer from a debit card. Your savings starts earning APY immediately.
Your debit card arrives in 5–7 days; add it to a mobile wallet the moment your account is approved.
“I moved my savings here for the rate and stayed for not having to think about it — the cashback just shows up as a bigger interest payment.”— Halyard customer since 2024