Microbanking
A historic bank building with classical columns

Est. for the modern account holder

A bank built on plain dealing, not fine print.

Checking, savings, credit, and a treasury account for your business, each handled with the same care a teller once gave you across a marble counter.

$0

Monthly Fees

Same Day

Balance Updates

One Tap

Card Freeze

Always Open

ATM Access

What We Offer

Three ways to bank with us.

For You and Your Household

Checking and savings that just make sense, with a credit account when you need one. See every purchase the moment it happens.

  • No more guessing what's in your account
  • Freeze a lost card before you find your wallet
  • Cash at any Microbanking ATM, any time
Personal Banking
A grand marble hall with columns
A vintage wood-paneled office interior

For Your Growing Business

One treasury account funds every employee card. No more chasing receipts to see who spent what.

  • A card per employee, its own spending limit
  • Every charge tagged, categorized and logged
  • Taxes calculate themselves at charge time
Corporate Banking

For Getting Paid In Person

Pin Pad and point-of-sale terminals connect straight to the bank. No processor standing between you and your money.

  • Customer taps, you get paid instantly
  • Works with cards and online charges alike
Pin Pad & POS
A customer paying with a card at a store counter

Loans & Mortgages

Need to borrow? Talk to a bank that answers.

Under $25,000 you get a decision in minutes, from your dashboard. For larger loans and every home loan, a loan officer at one of our branches sits down with you.

Personal Loan

For anything you need.

from 8.99% APR

$1,000 to $100,000

Auto Loan

We pay the seller directly.

from 5.49% APR

$3,000 to $100,000

Home Loan

Arranged with a loan officer.

from 6.25% APR

$50,000 to $750,000

See Loans & Rates

Rates depend on your credit. Subject to approval.

“

Every one of my employees has their own card and their own limit, and I still only look at one balance.

Daniel KesslerCorporate treasury customer

Security

You shouldn't have to worry about this part.

How We Protect You

Your Data, Protected

Card numbers and PINs are locked down and never sitting around in plain text.

Only the Right People

Admin and treasury actions sit behind their own independent logins.

Nothing Disappears

Every transfer, fee, and deposit is tracked on both ends, so the books always balance.

We Watch for Trouble

Login and payment attempts are watched and slowed the moment something looks automated.

Getting started takes three steps.

I.

Open an Account

Choose a personal account or a corporate treasury account and get set up.

II.

Fund and Manage

Deposit funds, issue employee cards, or set up your Pin Pad terminal.

III.

Bank In-Person or Online

Pay, withdraw, and track everything, from the dashboard or the register.

Ready When You Are.

Personal and business accounts open online in minutes. Corporate treasury accounts are arranged with our corporate team.

Frequently Asked Questions

What accounts can I open with Microbanking?

Personal checking, personal savings, and personal credit accounts, or a corporate treasury account with individual employee cards. Personal checking and savings and business accounts open online in minutes. Credit accounts are approved by our team, and corporate treasury accounts are arranged with our corporate team by email.

How is my card and account data protected?

Card numbers are locked down before they're ever saved, passwords and PINs are never stored in a readable form, and admin access is limited to what each role actually needs. See our Security page for the plain-English version.

Can I issue cards to my employees?

Yes, corporate accounts can issue an individual card per employee against one shared treasury balance, each with its own spending limit and a full log of every charge. See Corporate Banking.

Do you support in-person payments?

Yes, Pin Pad and point-of-sale terminals connect directly to the bank, so in-person card charges settle in real time against the customer's account.

What are your fees?

A flat overdraft fee, a tiered corporate transaction tax, and rates that apply to savings and credit balances. The full breakdown is on our Fee Schedules page.

Who do I contact for help?

See the Contact section below for personal, business, and corporate support addresses.

Get in Touch

Personal & Business Banking

Existing personal or business customers, account questions, and general support.

[email protected] [email protected]

Corporate Solutions

Corporate treasury accounts, employee card programs, and integrations.

[email protected]