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🏦 FDIC Insured · Member Since 2010

Banking that works for you,
not against you

High-yield savings, zero-fee checking, and smart tools that put your money to work — all in one beautifully simple app.

Open An Account → Sign In
4.85%
APY on Savings
$0
Monthly Fees
2.4M+
Happy Members
60K+
Fee-Free ATMs
Quick Access
💳 Pay Bills 📤 Send Money 📥 Deposit Check 📊 View Statements 🔄 Transfer Funds 📈 Investments 🔒 Freeze Card 🧾 Tax Documents
Why TTB

Everything you need,
nothing you don't

Built from the ground up to be simpler, faster, and smarter than traditional banking.

⚡

Instant Transfers

Send and receive money in seconds — not business days. Real-time payments to any bank, any time.

📈

High-Yield Savings

Earn 4.85% APY — up to 12× the national average. Watch your savings grow automatically with no minimums.

🤖

AI Money Coach

Smart spending insights, personalized tips, and automated savings rules that learn your habits and optimize your finances.

💰

Zero Hidden Fees

No monthly fees, no overdraft fees, no minimum balance — ever. We make money when you do well, not when you struggle.

🏧

60,000+ Free ATMs

Access your cash at over 60,000 fee-free ATMs nationwide. Plus we reimburse foreign ATM fees up to $10/month.

🌍

Worldwide Access

Bank confidently while traveling. No foreign transaction fees, real exchange rates, and 24/7 global support via chat.

Account Types

Choose your perfect account

Simple, transparent accounts with no surprises. Upgrade or downgrade any time.

🔒 Live Security Status
256-bit SSL Encryption All data is encrypted in transit and at rest
Biometric Authentication Face ID and fingerprint login on mobile
Two-Factor Authentication Added layer of protection on every login
Real-Time Fraud Detection AI monitors every transaction 24/7
Instant Card Freeze Lock or unlock your card in one tap
Your Security

Bank-grade security,
zero compromise

Your money and data are protected by the same technology used by Fortune 500 companies — and we exceed every federal security standard.

✓ FDIC Insured ✓ SOC 2 Type II ✓ PCI-DSS Level 1 ✓ CCPA Compliant ✓ Zero Liability Protection
Mobile App

Your bank in your
pocket, 24/7

Coming Soon. Everything you need — deposits, transfers, investments, support — in one seamless app.

Total Balance
$12,480.50
📤
Send
📥
Receive
💳
Pay
➕
More
Savings Account
$8,240.00 · 4.85% APY
Checking Account
$4,240.50
Member Stories

Loved by millions

Real stories from real people who switched to TTB and never looked back.

★★★★★

"I moved my emergency fund here and earned more in 3 months than I did in two years at my old bank. The interface is incredibly clean."

S
Sarah M.
Member since 2022 · Denver, CO
★★★★★

"The AI spending coach actually changed my habits. I paid off $4,000 in debt in 8 months because I could finally see where my money was going."

J
James T.
Member since 2021 · Austin, TX
★★★★★

"I was skeptical about an online-only bank. But after a year with TTB, I'd never go back. Zero fees, instant transfers, and support actually helps."

A
Aisha K.
Member since 2023 · Chicago, IL
FAQ

Got questions?
We've got answers.

Everything you need to know about TTB. Can't find your answer? Reach us 24/7.

Still need help? Our team is always here.

💬 Chat With Us

Yes. TTB is a member of the FDIC. Your deposits are insured up to $250,000 per depositor, per ownership category — exactly the same protection you'd get at any traditional bank. Premium accounts may qualify for extended coverage through our sweep program.
Opening takes about 30 minutes. You'll need a government-issued ID, your Social Security Number, and a phone or computer. We run a soft credit check (which won't affect your credit score) to verify identity. Most accounts are approved instantly.
For our free accounts: yes, truly. No monthly fee, no minimum balance, no overdraft fee, no incoming wire fee. We earn revenue through interchange fees when you use your debit card — so our interests are aligned with yours. The only paid product is TTB Premium at $9/month, which is entirely optional.
Your debit card works immediately after approval. Mobile check deposits are available within minutes for most deposits (up to $500). Direct deposit arrives up to 2 days early. Transfers between TTB accounts are instant. External transfers typically settle in 1–3 business days.
You have access to the Allpoint and MoneyPass ATM networks — over 60,000 locations across the US. Search the ATM locator in our app to find one near you. Premium members also receive up to $15/month in reimbursement for out-of-network ATM fees charged by other banks.
Because we operate online-only, we have dramatically lower overhead than traditional banks with physical branches. We pass those savings directly to you in the form of higher interest rates on savings. The 4.85% APY is variable and may change with federal interest rate movements, but we aim to stay consistently among the top rates nationally.
Yes! You can deposit cash at participating retailers, including CVS, Walgreens, and 7-Eleven locations through our Green Dot partnership (up to $500/day, small retailer fee may apply). You can also deposit checks by photographing them through the app, which is free and instant.
Freeze your card instantly in the app — it takes one tap. Then contact us via 24/7 live chat or us email us via support@westatlasunion.com . You're protected by Zero Liability for unauthorized transactions reported promptly. We investigate all claims within 5 business days and provisionally credit your account within 48 hours while the investigation is ongoing.
Yes — joint checking and savings accounts are available. Each account owner has full access, their own login, and both receive their own debit card. FDIC insurance is up to $250,000 per co-owner (so a joint account is insured up to $500,000 total). Adding a joint owner takes about 2 minutes in the app.
Absolutely. Our iOS and Android apps are coming Soon. Features include mobile check deposit, fingerprint/Face ID login, real-time transaction alerts, spending analytics, external account linking, peer-to-peer transfers, and 24/7 in-app chat support. Downloadable free from the App Store or Google Play.

Ready to make the switch?

Join 2.4 million people who are banking smarter. Open your account in 3 minutes — no credit check, no minimums.

Open Free Account → See All Features
TTB is a Member FDIC. Deposits insured up to $250,000. TTB, Inc. is not a bank; banking services provided by TTB N.A. 4.85% APY is variable and subject to change. No minimum balance required. See full terms at TTB.com/legal.