Personal banking
Open a checking or savings account in minutes. No paperwork mailed in, no minimum-balance surprises.
No minimum balance, unlimited transfers, free debit card.
Tiered interest that grows with your balance.
Lock a rate for 6–36 months.
| Feature | Everyday Checking | Horizon Savings | Term Certificates |
|---|---|---|---|
| Minimum balance | $0 | $0 | $500 |
| Monthly fee | $0 | $0 | $0 |
| Interest | — | 3.10% APY, tiered | from 4.25% APY, fixed |
| Free debit card | Yes | — | — |
| Withdrawal limits | Unlimited | 6 per statement cycle | Locked until maturity |
| Best for | Daily spending | Building a cushion | Money you won't touch for a while |
Banking that fits your life
You don't need to be at a desk to know where your money stands. Every account comes with the app and internet banking included — no upsell, no separate sign-up.
Set up a low-balance alert once, and you'll never open the app to a surprise again.
Register online with your name, email, and phone number. You'll upload a government ID for identity verification — our team reviews it within one business day, and you can use limited features immediately while it's pending.
Can I open more than one account? Yes — most customers hold both a checking and a savings account, and you can open additional accounts anytime from your portal.
Is there a credit check? Not for Everyday Checking or Horizon Savings. Our Rolamb Visa credit card does require one.
Can I close an account later? Anytime, with no fee, as long as the balance is settled first.
Beyond accounts
Auto, personal, home, and education financing, from 5.90% APR.
Full account access from any browser, not just the app.
Flat $25 wires, wherever it's going.
Cash back, referral bonuses, and a savings rate that improves the longer you stay.