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Read MoreBanking that actually has your back.
Finally, a bank that works as hard as you do. Get powerful digital tools, zero hidden fees, and unwavering security.
Your money, supercharged.
We're not just a place to hold your money. We're a partner in helping you grow it, manage it, and protect it.
Uncompromising Security
With real-time fraud monitoring, military-grade encryption, and biometric access, your security is our foundation.
Move Money Instantly
Send and receive payments in seconds. No more waiting days for transfers to clear. It's your money, access it now.
Intelligent Insights
Our smart budgeting tools analyze your spending, identify savings opportunities, and help you reach your goals faster.
High-Yield Savings
Earn up to 5.25% APY on your savings with our premium accounts--25x the national average.
Dedicated Support
Talk to real, friendly financial experts anytime, day or night. No frustrating bots, just genuine help when you need it.
Smart Debit Cards
Get a virtual card to use instantly upon signup. Plus, customize and control your physical card right from the app.
Bank Anywhere
Our award-winning digital banking puts complete control of your finances right in your pocket with a beautiful, intuitive interface.
- Instant account opening in just 3 minutes
- Secure biometric login and authentication
- Real-time notifications for all account activity
- Digital wallet integration
- Interactive spending insights and budgeting tools
Simple plans. No fine print.
Choose the account that fits your life. No complicated tiers, no hidden clauses. Just straightforward, powerful banking.
Basic
For everyday spending & saving.
$0/month
- No monthly fees
- Free debit card
- Smart budgeting tools
- Mobile banking
- FDIC insured up to $250K
- 24/7 customer support
Premium
For power users & travelers.
$9.99/month
- Everything in Basic, plus:
- High-yield savings (5.25% APY)
- 2% cashback on debit purchases
- No foreign transaction fees
- Priority support
- Up to $5 ATM fee rebates
Business
For entrepreneurs & freelancers.
$19.99/month
- Everything in Premium, plus:
- Expense management
- Invoice creation
- Multi-user access
- Tax categorization
- Dedicated account manager
Security reimagined
Your security is our top priority. We utilize cutting-edge technology and rigorous protocols to ensure your money and data are always protected.
- End-to-end 256-bit encryption for all transactions
- Multi-factor authentication and biometric verification
- 24/7 fraud monitoring with instant alerts
- Automatic account locking on suspicious activity
- Zero liability protection for unauthorized transactions
SOC 2 Certified
PCI DSS Compliant
FDIC Insured
Get started in minutes.
Opening an account with National Open Bank is simpler than you think. Here's how it works.
1
Visit Our Website
Visit our website, click Create Account. It's your gateway to modern banking.
2
Verify Your Identity
Take a quick photo of your ID and a selfie. Our AI verification takes just seconds.
3
Fund Your Account
Connect an existing bank account or use your debit card to make your first deposit.
4
Start Banking
That's it! Your account is ready with a virtual card you can use immediately.
Trusted by 800,000+ customers
Don't just take our word for it. Here's what our community has to say about their experience.
I switched from a traditional bank and haven't looked back. The savings interest rates alone make it worth it, but the app is what really won me over.
As a small business owner, the invoicing and expense tracking features have saved me hours every week. Plus, getting paid early is a game-changer!
The security features give me peace of mind, especially the instant transaction alerts. Customer service actually responds in minutes, not days.
Trusted by leading companies
We partner with industry leaders to bring you the best financial experience possible.
Financial insights & updates
The latest news, tips, and updates from our financial experts to help you make smarter money moves.
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Security
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Read MoreWe're more than just a bank
At National Open Bank, we're building a community of financial empowerment. We believe banking should be a force for good in people's lives.
$2.5M
Donated to Financial Literacy Programs
150K
Hours of Financial Education Provided
97%
Customer Satisfaction Rating
0%
Carbon Footprint (Carbon Neutral Since 2023)
Frequently asked questions
Everything you need to know about banking with us. Can't find an answer? Contact our team anytime.
Is National Open Bank a real bank?
Yes! While we're a modern digital-first bank, we partner with established FDIC-insured banks to provide all the services and security of a traditional bank, with none of the outdated practices.
How do you make money if there are no fees?
We earn revenue through interchange fees (like all banks), interest on loans, and premium account subscriptions. We're transparent about this because we believe you deserve to know.
How quickly can I access my money?
Deposits are available immediately up to certain limits. Direct deposits can be accessed up to 2 days early. Transfers between NOB accounts are instant, and external transfers typically complete in 1-2 business days.
What happens if my card is lost or stolen?
Freeze your card instantly in the app, then order a replacement. You're covered by our $0 liability guarantee for unauthorized transactions when reported promptly.
Can I deposit cash?
Yes! While we're primarily digital, we've partnered with retail locations nationwide where you can deposit cash for free. Just visit any participating store in our network.
Are there any ATM fees?
We offer access to over 55,000 fee-free ATMs nationwide. For out-of-network ATMs, Basic accounts may incur fees, while Premium and Business accounts receive monthly ATM fee rebates.
How is my money protected?
All deposits are FDIC insured up to $250,000 per depositor. We also employ bank-level encryption, multi-factor authentication, and continuous security monitoring to protect your accounts.
Ready to experience better banking?
Open an account in less time than it takes to brew your coffee and discover what it feels like to have a bank that's truly on your side.
Open Your Free Account