A virtual + physical debit card with cashback on every swipe, instant savings vaults, and a network that won't charge you to spend your own money.
A modern checking account, savings vaults, and crypto exposure — all on one card with no fees that surprise you.
On groceries, gas, and rideshares. 1% on everything else. No caps, no rotating categories.
Move money between vaults in milliseconds. ACH next-day. Wires same-day if it's before 3pm.
Round every purchase up to the dollar, sweep the change into a 4.5% APY vault. Set it once.
One-tap freeze. Real-time alerts. Disposable virtual numbers for every subscription you don't fully trust.
No monthly fee. No overdraft fee. No ATM fee at 60,000 locations. Foreign transactions are free too.
Buy and hold BTC, ETH, and 30 others directly inside the app. Move to cold storage anytime.
and counting · 142k members
| Feature | Vault | Traditional Bank |
|---|---|---|
| Monthly fee | $0 | $12–$25 |
| Overdraft fee | $0 | $35 per item |
| ATM network | 60,000 free | ~16,000 |
| APY on savings | 4.5% | 0.01% |
| Cashback rate | 1–3% | none |
| Time to open | 60 seconds | 2 weeks |
60-second signup. No credit check. No physical bank visit.
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