FAQ
Frequently asked questions
Clear answers about accounts, rates, fees, security, and products. If you cannot find what you need, our support team is available 24/7.
Accounts
Apply online in about 10 minutes. You will need a
government-issued ID and proof of address. Most accounts are approved the same
day and can be funded immediately after approval.
Everyday Checking and High-Yield Savings have no
minimum balance requirement. CDs require a $1,000 minimum opening deposit.
Yes. Joint accounts can be opened online with both
applicants present. Each account holder gets their own login and full access.
Contact support by phone or secure message. We close
accounts within one business day after confirming there are no pending
transactions and transferring any remaining balance.
Rates and fees
Everyday Checking and High-Yield Savings have no
monthly maintenance fees. Other products have clear published fees. We never
charge hidden fees, and every charge is disclosed in your account agreement
before you sign.
Deposit rates are reviewed monthly. Mortgage and
lending rates change with market conditions, often weekly or daily. The rates page
always shows current figures.
Yes. Customers with $25,000 or more in combined
deposits receive a 0.10% APY boost on savings and a 0.25% rate reduction on
personal loans.
Security
Yes. Deposits are insured up to $250,000 per depositor,
per ownership category. Joint accounts have separate coverage limits.
Freeze your card in the app and call our fraud team at
+1 (800) 555-0100. We act on every report within minutes, 24 hours a day. See
the security
page for full steps.
Yes. We support SMS, authenticator app, and biometric
two-factor authentication. We strongly recommend using an authenticator app for
the highest level of protection.
Mortgages
Most pre-approvals are issued within one business day
of a completed application. Full underwriting typically takes seven to ten
business days.
Our best rates are available at 740 or above, but we
approve mortgages from a 620 score with a qualifying down payment. We can also
connect you with credit counseling if needed.
Retirement
Yes. Both Traditional and Roth IRAs are available, with
low minimums and clear fee structures. An advisor can help you decide which fits
your tax situation.
Yes. We handle rollovers from most 401(k) plans, 403(b)
plans, and other pension accounts, with no tax surprises. The process typically
takes seven to ten business days.
Business
Sole proprietors, single-member LLCs, multi-member
LLCs, S-Corps, C-Corps, and partnerships. Nonprofits can apply through our
commercial banking team.
From the business dashboard, go to Team, then Add
member. You can assign roles with approval limits and permissions, and each team
member gets their own login.
Still have a question?
Our support team is available 24/7 by phone and chat. Average wait time under 90 seconds.