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Unlock savings with everyday spending.

Our Spending and Savings Accounts offer tools that work with each other to help you meet your goals faster.

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Spend smarter, save more.

Turn everyday spending into savings with our buckets and boosters.

A phone screen depicting a user’s account snapshot, with the text “optimized with boosters"

Surprise Savings

We watch your linked checking accounts for safe-to-save money, then transfer it to your savings.

Round Ups

We track transactions to round up to the nearest dollar, then transfer to your savings.

Spending and Savings Buckets

Set aside money for what matters to you, and get the true picture of your spending and savings.

See how savings buckets work See how spending buckets work

Spending Account.

An interest checking account that helps you meet your spending goals.

Features

  • Keep more of your money with no minimum balances, no hidden fees and no overdraft fees, ever

  • Get paid up to two days sooner with early direct deposit

  • Pay no fees at 43,000+ AllPoint ATMs in the U.S. and get reimbursed up to $10 per statement cycle for fees at all other ATMs nationwide

  • Peace of mind with the maximum FDIC insurance allowed by law

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A phone screen depicting a dog in a birthday hat and a savings goal tracker that’s 87% full

Savings Account.

A savings account that helps your money work smarter.

Features

  • Get a competitive, variable rate with no monthly maintenance fees

  • No minimum balance requirements and 24/7 support

  • Savings buckets to help visualize your goals

  • Set-it-and-forget-it boosters to help you grow your money faster

Open Savings Account

A bank that’s your ally.

From our award-winning checking and savings accounts that help you unlock your financial potential to our relentless work to improve the financial wellbeing of communities that need it most.

Award: Nerdwallet Best Of Awards 2024 Badge
Award: Money #1 Online Bank In America Badge 2023-2024
Award: Fast Company Brands That Matter 2022

Open accounts in five minutes or less.

Open Both Accounts

Inspiring stories. Expert financial guidance.

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Easy budget templates that actually work.

Make budgeting a breeze with these quick tips.

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How to use spending and savings buckets to pay off debt.

Learn how to use spending and savings buckets to help chip away at debt and head toward a brighter financial future.

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Stress less when overspending happens.

Get the run-down on the multiple layers of overdraft protection we offer.