#Challenger Banks in United States
98 digital-first banks headquartered here.
98
Challenger banks
14
With developer portal
6
With sandbox
#All challenger banks
Acorns
Acorns is an American financial technology and financial services company based in Irvine, California that specializes in micro-investing and robo-investing.
Affirm
With Affirm, you can pay over time at your favorite brands. No late fees or compounding interest—just a more responsible way to say yes to the things you love.
Albert
Albert is a new type of financial service that uses powerful technology to automate your finances, with a team of human experts to guide you.
Ambrook
Manage back-office finances all in one place. Be more profitable with the right insights and working capital for your agricultural operation.
Aspiration
Online financial services made easy that help you save while giving back to the community. Spend, save and invest with a conscience. Open an account today with no monthly fees.
Azlo
Azlo provides online banking and free checking for small businesses. Our platform features unlimited transactions, online invoicing, instant transfers, and easy bill pay.
BankMD
The First Digital-Only Bank For Doctors.
BankMobile
BankProv
The Provident Bank has rebranded to BankProv. As the 10th oldest bank in the country, BankProv has been serving its local communities for nearly 200 years.
Bask Bank
Be Money
The first LGBT+ bank in the USA. Digital bank for the LGBT to connect the community to a variety of life and personal economic improvement products in financial services and beyond.
Bella
Bella, a new challenger bank launching on November 30th. The company is trying to differentiate itself with two distinctive features. First, you can interact with the app using keywords and text commands. Second, Bella is trying to build a community that helps each other to differentiate its product from soulless monolithic banking services.
Better
Banking that helps you fight unexpected medical debt. A Better Mastercard® Debit Card with no monthly fees, 32,000 ATMs and the Worlds 1st Community Safety Net™
BlueVine
Need fast funding for your business? BlueVine offers flexible business line of credit, invoice factoring, and term loan options tailored to your needs.
Braid
Braid is the easiest way to share and spend money with others.
Branch
Branch help businesses modernize their payment methods to empower working Americans. Digital tips and reimbursements, no-fee banking, and earned wage access are just some of the tools in our fast, free, and flexible platform.
Brex
Credit card with no personal guarantee, instant approvals, higher limits, and modern payment terms. Powered by the Mastercard network with best-in-class fraud protection.
Cash App
Cash App API empowers developers and businesses to integrate Cash App’s digital wallet, payment solutions, and financial services into their platforms. Cash App (formerly Square Cash), launched by Block, Inc. in 2013, enables API access for sending and receiving money, managing debit cards, and facilitating payments with Cash App Pay. With robust documentation for Cash App API endpoints, merchants can streamline e-commerce payments, access buy now pay later (BNPL) options via Afterpay, offer bitcoin and stock investing, and leverage seamless money movement. Explore how to build with Cash App API for secure, reliable, and scalable financial integrations.
Cheese
Cheese Debit Card is a zero-fee cashback debit card for Asian communities and beyond.
chime
Cogni
Cogni is a new digital banking platform that brings you curated brands and experiences while helping manage your spend.
Coinbase
Coinbase is a secure platform that makes it easy to buy, sell, and store cryptocurrency like Bitcoin, Ethereum, and more. Based in the USA, Coinbase is available in over 30 countries worldwide.
Column
The only nationally chartered bank built to enable developers and builders to create new financial services.
Copper Banking
Banking built for teens. Learn about money and build your wealth. Your future starts here. Waiting list now open.
cred.ai
A premium cutting edge everyday spending experience, with exclusive features, metal card, automatic credit optimization, and a cred.ai guaranty to never pay fees or interest.
Credit Sesame
Credit Sesame helps you access, understand, leverage, and protect your credit all under one platform - free of charge.
Current
Current is a bank for modern life, that adapts to the way you work and live. Current’s Personal Checking gets you paid quicker with direct deposit up to two days faster and instant gas hold credits. Teen Banking is a smart debit card and app for parents to provide better financial education and independence for their kids.
Dave
Get $100. Bank. Budget. Dave helps over 4 Million people thrive, and not just survive between paychecks.
Deel
Deel is the first payroll platform for remote teams that connects localized compliance and payments in one system of record and automates everything.
Digit
Digit gives me peace of mind. Otherwise I'd have to remember to visit my bank account and transfer money to savings.
Douugh
Douugh’s a smart bank helping you live financially healthier, taking the stress out of managing your money. Helping you spend wisely, pay off debit, save more and build wealth. So you can live life on your terms, whilst planning for the future.
Ellevest
We’re a financial company built to get more money in the hands of women. Financial planning, career coaching, investing, & banking to save while you spend.
Envel
The first ever AI-based Autonomous Bank Account that gives you Financial Superpowers!
Erebor Bank
Erebor Bank is a cutting-edge digital-only national bank founded by renowned tech entrepreneurs Peter Thiel and Palmer Luckey. Specializing in innovative banking solutions for artificial intelligence (AI), cryptocurrency, defense, and advanced manufacturing technology companies, Erebor Bank seamlessly blends traditional banking services with modern virtual currency and fintech offerings. Designed for forward-thinking businesses, Erebor Bank delivers secure, technology-driven financial services tailored to the digital economy.
Fair
Fair is a pro-customer, equity-based, mobile-first alternative to traditional banking — that values people over profit. See how Fair is better for you.
Finn by Chase℠
Flex
Flex is an AI-native financial platform for business owners and entrepreneurs, offering business banking, a 3-in-1 business credit card with Net-60 terms, expense management, global payments across 180+ countries, and accounts payable/receivable automation. Banking services are provided by Thread Bank (Member FDIC) and credit cards are issued by Lead Bank.
Found
Found is an all-in-one financial platform for self-employed and small-business owners, combining business banking, bookkeeping, invoicing, and tax tools. Found is a financial technology company, not a bank; banking services and the Found Mastercard Business debit card are provided by Lead Bank, Member FDIC, with deposits eligible for FDIC insurance up to applicable limits. Some customers may have accounts governed by separate terms with Piermont Bank, Member FDIC, as disclosed in Found’s legal agreements.
Gig Wage
Instant payouts for 1099 contractors. Easy contractor payroll. 1099 Payments & Payroll APIs. Stay compliant with Gig Wage.
GO2bank
GO2bank is Green Dot Bank's digital banking initiative. GO2bank is a division of Green Dot Bank.
Grasshopper Bank
Greenlight
Greenlight® empowers parents to teach trade-off decisions, money management, and the power of saving with a special Greenlight app experience just for kids.
Greenwood
Gusto Wallet
If your employer uses Gusto, you get access to the free Gusto Wallet app. It's a smart new way to track, save, and access your hard earned money
Hatch
FDIC-insured business checking account with up to 5% in cashback rewards, perks and discounts, no NSF fees, and a Mastercard Enhanced Debit Card. Get started today!
HMBradley
Banking is old. Building is new. HMBradley develops a digital banking platform that automates the process of physical banking.
Invoice2go Money
No-fee small business bank account with fast bank transfer payments and a debit card to help you manage your finances.
Ivella
Ivella is building the best banking products for couples. Our first product, The Split Account, is a new way for couples to split and share all of their expenses, replacing the need for Venmo or a traditional joint account.
Jassby
Teach your kids great money habits, manage allowances, and set chores all from your iPhone!
Jefa
Jefa is a challenger bank specifically designed for women in Latin America.
Joust
Joust, the all-inclusive banking toolkit for entrepreneurs and freelancers. We do banking, payments and invoices so you can do what matters.
Kabbage
The Kabbage Platform is a fully automated, online lending platform that supports continuous customer data monitoring.
KARAT
Letter
Level
Level - a high-APY deposit account that gives you the rewards you actually want.
Lili
Banking Designed for Freelancers. Stay in control. Save on taxes. No account fees and no minimum balance. Get Started.
MAJORITY
MAJORITY is the first digital financial service dedicated to serving migrants worldwide.
Marcus by Goldman Sachs
Marcus by Goldman Sachs® provides no-fee personal loans & high-yield online savings for individuals. Committed to helping customers reach their financial goals.
Meow
Meow Technologies is a financial technology company offering business banking, corporate cards, global treasury (U.S. T-Bills, U.K. Gilts, German Bunds via BNY Pershing), international payouts in 50+ currencies, invoicing, and stablecoin (USDC/USDT) services. It serves businesses, VC firms, real estate funds, and startups globally, with banking services provided by Cross River Bank and Grasshopper Bank, N.A. (both FDIC members). In April 2026, Meow launched the world's first agentic banking platform, enabling AI agents to open and manage business bank accounts via CLI and MCP server.
Mercury
Mercury is a financial technology company that partners with FDIC insured partner banks to protect your money. Mercury offers its users a “banking stack”, with the goal of empowering startups, as well as making banking easier for all businesses. In April 2026, Mercury acquired Central (YC S24), an AI-native payroll, benefits, and compliance platform for startups, to add payroll to its product suite.
Mythra
A Credit Card for Gamers, by Gamers
Nearside
FDIC-insured business checking account and cashback rewards debit card. Get 2.2% cashback in 2022 on all eligible business purchases. Rewards, discounts, no overdraft fees or monthly minimums, and a Mastercard Enhanced Debit Card. Get started today!
Nomad
Nomad is more than a Global Account, it's a lifestyle! Break the territorial barriers of your financial life and explore the world your way.
North Loop
Borderless banking for global citizens.
Novo
Novo is an online business banking platform with no hidden fees built for small business owners. Novo is a fintech, not a bank; banking services are provided by Middlesex Federal Savings, F.A., Member FDIC, with deposits insured up to $250,000. The platform includes checking, invoicing, reserves, AI-assisted bookkeeping, integrations, funding, and small-business credit card products.
One Finance
OnJuno
OnJuno is a neo banking platform that aims to give millions of users access to a high yield checking account to grow their savings. OnJuno embraces an open banking system for everyone, regardless of their age, location, or income.
Oxygen
Banking for free thinkers, rebels and entrepreneurs. Awarded Best Digital Banking Account in the US
Petal
Responsible credit for the modern world. Petal doesn’t charge fees, helps you spend within a budget, and rewards you when you pay on time.
POINT
Purple
Purple is a bank for people with special needs. Open a Purple bank account to receive Social Security Income (SSI) and Social Security Disability Insurance (SSDI) payments up to two days early. No hidden fees. No minimums.
Purple
Open a Purple bank account to receive your Social Security Income (SSI) and Social Security Disability Insurance (SSDI) payments up to two days early. No hidden fees. No minimums. Mobile banking for people with disabilities.
Quontic Bank
Quontic is a U.S.-based bank headquartered in Manhattan, New York City. Quontic has additional locations in Astoria, New York; Melville, New York; Flushing, New York; and Miami, Florida.
Razer
Own the Razer Visa Prepaid Card before anyone else does. Beta testing is now open exclusively to 1337 users.
Relay
Relay is banking designed for growing businesses. Easily collaborate with your team, manage payments and issue corporate cards - all from your bank.
Rho Business Banking
Sable
Sable is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards.
Seed
Seed - Mobile small business banking
Slash
Slash is an all-in-one business banking and finance platform for entrepreneurs and growing companies. The platform combines business checking, corporate cards (Slash Platinum Visa), expense management, treasury, working capital, and multi-rail payments including stablecoins. Slash offers AI-powered automation through agents and a hosted MCP server for developer integrations. Founded in San Francisco, the company serves US-based businesses with a focus on simplifying financial operations across accounting, payments, and cash management.
SoFi
SoFi helps members take control of their finances. From getting out of high-interest debt to managing your wealth, we are here to help you get your money right.
Squire
Squire Technologies is the leading operating system for barbershops that allows barbers to manage bookings, scheduling, pricing and payments from one single app. Squire is helping to bring core financial services to an underserved market - barbershop owners and barbers.
Stash
Invest with as little as $5. Get the only debit card that earns Stock-Back rewards. Save for a brighter financial future. Join 4+ million Americans investing, banking, and learning with Stash.
Step
Step offers a free FDIC insured bank account and Visa card designed for the next generation.
Stilt
Loans for immigrants, non-U.S. citizens, and F-1, OPT, H-1B, TN, O-1, L-1 visa holders.
Stripe Capital
Access the funds you need to grow your business. Stripe Capital provides access to fast financing with one flat fee and flexible payments.
T-Mobile MONEY
The T-Mobile MONEY checking account pays everyone the best interest rate in the industry. Open a checking account to experience fee-free digital banking. Accounts held at BankMobile, a division of Customers Bank.
Tenth
TomoCredit
Tomo is the next generation of credit card catered to young adults, students and immigrants looking to build a better financial future in the U.S. Apply today with no credit score required!
Trust
The corporate card, made social. Trust is the only corporate card that helps startups grow smarter, together.
Unifimoney
Unifimoney is high-performance banking for high performance people - a credit card, high yield checking account and investing in one mobile account.
Upgrade
Check your rate for a low fixed-rate personal loan in just minutes. Borrow up to $50,000 with no prepayment penalties. Checking your rate has no impact to your credit score.
Varo Money
Get a Bank Account and a high-yield Savings Account with no fees. Get paid up to 2 days early and use 55,000+ free Allpoint ATMs. Try Varo online banking today!
Venmo
Venmo is a digital wallet that lets you make and share payments with friends. You can easily split the bill, cab fare, or much more. Download the iOS or Android app or sign up on Venmo.com today.
Viva First
Viva First is the first free mobile bank and Visa® debit card designed with the Latino community in mind. Join the movement.
Winden
Winden is a business bank designed to help you make more money. Earn unlimited cash-back, free wire transfers, zero fees, and more.
X1 Card
Zeta
Zeta helps the modern-day couple win at money. We are fully automating money management as couples take on $6.4 trillion in assets by 2030.
ZYNLO Bank
ZYNLO Bank is a new kind of banking. This is mobile, high-interest banking with a spare change savings account. Think outside the bank.