Checking Accounts
Choose from four account types designed for every stage of life. No hidden fees, no surprises — just transparent banking.
TrustPay Essential Checking
Everything you need for everyday banking with no monthly fees and no minimum balance requirements.
- Unlimited fee-free transactions
- Free debit card included
- Mobile check deposit
- Online & mobile banking
- 24/7 customer support
- Zero overdraft fees
TrustPay Premium Checking
Enhanced rewards and premium features for customers who maintain higher balances.
- All Essential features
- 0.25% APY interest
- Free wire transfers (domestic)
- Priority customer support
- 2 free overdraft protections per year
- ATM fee reimbursement up to $20/mo
TrustPay Student Checking
Designed for students with no fees, no minimums, and built-in financial education tools.
- No monthly fee for students under 25
- No minimum balance
- Free financial literacy courses
- Student loan integration
- Split bills with friends
- Budgeting tools included
TrustPay Senior Checking
Tailored for customers 55+ with enhanced benefits, dedicated support, and senior discounts.
- No monthly fee for seniors 55+
- Dedicated senior support line
- Free paper statements
- Discounted safe deposit box
- Free notary services
- Healthcare payment integration
Savings Accounts
Grow your money with industry-leading rates. From children to high-net-worth savers, we have the right account for you.
High Yield Savings
Industry-leading interest rate with no monthly fees. Start earning from day one with just $100 minimum deposit.
- 4.25% APY — 10x national average
- No monthly maintenance fees
- Interest compounded daily
- FDIC insured up to $250,000
- Unlimited transfers to TrustPay accounts
- No minimum balance after initial deposit
Student Savings
Built for students to start saving early with a low minimum deposit and competitive rates that grow with you.
- 3.75% APY for students
- Only $25 to open
- No monthly fees under age 25
- Automatic round-up savings
- Financial education resources
- Goal-based savings targets
Children's Savings
Give your children a head start with our highest savings rate, designed to teach financial responsibility early.
- 5.00% APY — our highest rate
- Open with just $10
- Parental joint access
- Automatic allowance deposits
- Interactive savings tracker for kids
- Financial games and rewards
Premium Savings
Exclusive tier for high-balance savers with premium rates, dedicated advisor, and wealth management integration.
- 4.50% APY on balances $25,000+
- Dedicated financial advisor
- Wealth management integration
- Priority wire transfers
- Estate planning consultation
- Tax-advantaged savings options
Credit Cards
Premium cards with cashback, travel rewards, and zero fraud liability. Find the card that matches your lifestyle.
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TrustPay Blue Cashback
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TrustPay Gold Travel
TrustPay Gold Travel
Earn 50,000 bonus points after spending $3,000 in first 90 days
- $95 annual fee
- 50,000 signup bonus points
- 3x points on travel & dining
- 2 free lounge visits per year
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TrustPay Platinum Premium
TrustPay Platinum Premium
Earn 75,000 bonus points after spending $5,000 in first 90 days
- $395 annual fee
- 75,000 signup bonus points
- 5x on premium categories
- $300 annual travel credit
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TrustPay Student Card
Digital Banking
Everything you need to manage your money from anywhere in the world — right at your fingertips.
Mobile App
Bank from anywhere with our award-winning mobile app. Deposit checks, transfer money, pay bills, and manage cards — all from your phone. Available on iOS and Android with biometric login.
- Biometric authentication
- Mobile check deposit
- Instant card freeze/unfreeze
- Push notifications for transactions
- Apple Pay & Google Pay integration
Online Banking
Full-featured online banking accessible from any browser. Manage all your accounts, view statements, set up alerts, and access advanced financial tools.
- Account dashboard with all balances
- Transaction history & search
- Customizable alerts & notifications
- Statement download (PDF, CSV)
- Multi-account management
Bill Pay
Pay all your bills in one place. Schedule one-time or recurring payments to over 10,000 billers across electricity, water, internet, insurance, taxes, education, cable, and phone.
- 8+ biller categories
- Scheduled & recurring payments
- Same-day bill payments
- Bill reminders & alerts
- Payment history & receipts
Card Controls
Manage your cards with full control. Freeze/unfreeze instantly, set spending limits, enable/disable categories, and receive real-time transaction alerts — all from one place.
- Instant card freeze/unfreeze
- Spending limit controls
- Category restrictions
- Real-time transaction alerts
- Virtual card creation
Instant Transfers
Move money effortlessly with internal, external, international, and wire transfers. Internal transfers are instant; external take 1-3 business days.
- Instant internal transfers
- External ACH transfers
- International transfers in 150+ countries
- Wire transfers (domestic & international)
- Saved beneficiaries & recurring transfers
Mobile Deposit
Deposit checks instantly from your phone camera. Our OCR technology reads and verifies checks in seconds, with funds available in 1-2 business days.
- Front & back check capture
- OCR auto-fill technology
- Fraud detection scanning
- Instant deposit confirmation
- Deposit history & tracking
Savings Goals
Set and track savings goals with automatic round-ups, goal-based buckets, and progress visualizations that keep you motivated to reach your targets.
- Automatic round-up savings
- Goal-based savings buckets
- Progress tracking & visualizations
- Automated contributions
- Goal completion alerts
Spending Insights
AI-powered budgeting that categorizes your spending, tracks savings goals, and provides personalized insights to help you make smarter financial decisions.
- Automatic spending categorization
- Custom budget creation
- Savings goal tracking
- Spending insights & trends
- AI financial assistant
Frequently Asked Questions
Opening an account is simple and takes less than 5 minutes. Click "Open Account" anywhere on our site, fill out the 5-step registration wizard with your personal details, address, and identity verification, and your account is instantly active. No branch visit, no paperwork, no minimum deposit for Essential Checking.