Everyday Checking
No monthly fee, no minimum balance, and free debit card with real-time controls.
Personal Banking
Personal banking for every day and every goal
Everyday accounts, debit cards, and savings tools designed around how you actually spend and save. Open an account in minutes with no monthly fees.
4.5%APY on High-Yield Savings
Overview
Banking that fits the way you live
Banking should give you clear visibility into your money, no hidden fees, and tools that help you save without thinking about it. Modern Bank personal accounts do exactly that.
- No monthly fees. Everyday Checking has zero maintenance costs, no minimum balance, and no surprise charges.
- High-yield savings. Earn 4.5% APY with daily compounding and no minimum deposit.
- Free ATMs. Access 55,000+ fee-free ATMs nationwide, with no out-of-network surcharges.
- Early paycheck. Get paid up to two days early when your employer uses direct deposit.
What you get
Accounts and tools for every stage
Start with one account or bundle them for a complete everyday setup.
High-Yield Savings
Earn 4.5% APY with daily compounding. Set goals and auto-save from checking.
Debit Cards
Freeze, unfreeze, and set spending limits in real time. Zero foreign transaction fees.
Mobile Banking
Deposit checks, transfer funds, and message a banker from the Modern Bank app.
Ready to simplify your everyday banking?
Open a Modern Bank personal account in about 10 minutes. No monthly fees, no minimum balance, and free ATMs nationwide.
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