Banking that moves with your money.
One secure account for spending, saving, transferring and investing. FDIC-insured up to $250,000 and built for the way you live today.
- Payroll · Acme Inc9:14 AM+ $3,200.00
- Blue Bottle Coffee8:02 AM– $6.50
- Transfer to MayaYesterday– $120.00
- Apple StoreYesterday– $499.00
Every banking tool, in one place.
Instant transfers
Move money to anyone, any bank, in seconds. Zero fees on standard transfers.
High-yield savings
Earn up to 4.85% APY on your balance. No minimums, no lock-up periods.
Smart insights
Live spending breakdowns, monthly trends and automatic budgeting.
Virtual & physical cards
Issue unlimited virtual cards. Freeze, unfreeze and set limits instantly.
Crypto on/off ramp
Buy, sell and store 10+ assets directly from your account with bank-grade custody.
Real-time alerts
Get notified on every login, purchase and transfer. You're always in control.
Your money is protected like it's our own.
We meet the same regulatory standards as the largest US banks, audited quarterly by independent third parties.
FDIC insured
Deposits insured up to $250,000 per account through partner banks.
Bank-grade encryption
End-to-end 256-bit AES encryption on every transaction and message.
Biometric & 2FA
Face ID, Touch ID and 2-step verification on every sign-in.
24/7 fraud monitoring
AI-driven anomaly detection that pauses suspicious activity in real time.
Loved by 50,000+ members.
"Stonegate Capital Bank replaced three apps for me. Payroll, invoices and savings all in one."
"Transfers actually land instantly. The card design is the cleanest I've held."
"The insights are scary good. I cut $400/month in subscriptions in one weekend."
"Best customer support I've ever had with a bank — real humans, in minutes."
Questions, answered.
Real humans, around the clock.
Our support team is available 24/7 from New York, London and Singapore.
Banking, the way it should have been.
Open your account in under 3 minutes. No paperwork, no fees, no surprises.