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.
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.
Monthly fees
None
on everyday checking
Balance updates
Same day
every purchase, instantly
Card freeze
One tap
before you find your wallet
ATM access
Always
open, any time
What we offer
Three ways to bank with us.
For your growing business
One treasury account funds every employee card, each with its own limit, every charge tagged, and taxes that calculate themselves.
For getting paid in person
Pin pad and point-of-sale terminals connect straight to the bank. Customer taps, you get paid instantly, in store or online.
Who we bank
Whatever stage you are at, there is an account for it.
Buying a home
A loan officer sits down with you, and the money goes straight to the seller.
See home loans →
Running a business
One treasury account, cards for your team, and a clear record of who spent what.
See business banking →
Growing up
A real account and debit card for 13 to 17 year olds, with no overdraft.
See the teen card →Cards
A card for every stage.
Debit with overdraft, a real account for teens, credit that builds your history, four levels of cashback, a supermarket card, and one card by invitation only.
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
Rates depend on your credit. Subject to approval. See loans & rates →
“Every one of my employees has their own card and their own limit, and I still only look at one balance.”
Freeze a card in one tapYour whole bank, in your pocket.
Check a balance, move money, freeze a lost card or apply for a loan from any phone. Every purchase shows up the moment it happens.
- Balances update on every purchase, not overnight
- Freeze and unfreeze any card yourself, any time
- No monthly fees on everyday checking
Security
You shouldn't have to worry about this part.
How it works
Getting started takes three steps.
Open an account
Choose a personal account or a corporate treasury account and get set up.
Fund and manage
Deposit funds, issue employee cards, or set up your pin pad terminal.
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.
Questions
Frequently asked questions
What accounts can I open with Microbanking?
Personal checking, personal savings and credit accounts, or a corporate treasury account with individual employee cards. Personal checking and savings and business accounts open online in minutes. Credit cards are approved against their requirements (see Cards), and corporate accounts are arranged with our corporate team.
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 fee on overdrafts, a tiered corporate transaction tax, a small daily fee if a checking account sits below $50, and rates that apply to savings and credit balances. The full breakdown is on our fee schedules.
Who do I contact for help?
Personal and business support: [email protected]. Corporate solutions: [email protected].