Open checking with $25

Apply in minutes and start with the app on day one.

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New customer offer

Earn up to $300 with Smartly Checking

Open a new account, set up direct deposit and complete the required activities. Apply in minutes with just $25.

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Offer valid through December 31, 2026. Terms and limitations apply.

Access your account

See balances, pay bills and send money.

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Solutions designed to work for you

Pick a category to explore accounts, cards, loans and investing.

Banking smarter is easier than ever

Unlock more benefits and rewards, and track your money in one app when you open a checking account.

  • Apply in minutes with just $25
  • Waive the monthly fee with direct deposit
  • Early paycheck access, up to two days sooner
  • Free access to more than 40,000 ATMs
Open a checking account

Set goals, stay on track, achieve more, all in one place

  • Monitor bills and subscriptions to stay in control of your budget
  • Accelerate savings with automated tools
  • Manage your rewards and discover new perks
  • Send and transfer money on your time

Connect with us

Chat with Pixie, open an account or log in to manage yours.

Chat with Pixie

Ask about accounts, loans and cards and get an answer straight away.

Open an account

Apply online in minutes with just $25.

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Access your account

See balances, pay bills and send money.

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Feel confident when you borrow money

Our experts are here to guide you.

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Today’s rates

Rates depend on the product, term and your profile. Register or log in to see the rates available to you.

Disclosures. Products and services are subject to eligibility, credit approval and applicable terms and conditions.