LogoLedger
FDIC Insured
No Monthly Fee
NerdWallet
4.10% APY
J.D. Power
Real-Time Alerts
FDIC Insured
No Monthly Fee
NerdWallet
4.10% APY
J.D. Power
Real-Time Alerts
Now open to new members — zero waitlist

The checking account
that pays you back.

Real-time alerts on every dollar. Zero monthly fees. 4.10% APY on savings. Built for the generation that watches every dollar move.

340K+members
$2.1Bdeposits held
4.9★App Store
ledger.app — checking account
LIVE
Available Balance+$1,240 this month
$0.00
Monthly Budget68%
Recent TransactionsView all →
☕

Blue Bottle Coffee

Food & Drink · 9:14 AM

-$6.50
🎵

Spotify

Entertainment · Yesterday

-$9.99
🏠

Rent Auto-Pay

Housing · Feb 1

-$1,850.00
Spending Breakdown
Feb$3,240
Housing
42%
Food
23%
Transport
15%
Subscriptions
12%
Other
8%
↑ $47.82
Round-Up Savings
⇄ 3 requests
Pending Splits
✓ $0.00
ATM Fees Saved
⚡
Savings Calculator

See exactly what your bank charges you

Enter your current account details — we'll show you the real annual cost.

$

Chase charges $12 · Wells Fargo $10

Average American: 3–5/month

$

Industry avg: $3.09 per withdrawal

$

Used to calculate APY gain

Your financial dashboard

Every panel earns its place

No feature bloat. Every module solves a real problem you have with your current bank.

Smart Categories

Every dollar, tagged automatically

AI-powered
Housing
$1,36142%
Food & Drink
$74523%
Transport
$48615%
Subscriptions
$38912%
Other
$2598%

Ledger reads your merchant data and auto-categorizes every transaction. No manual tagging.

4.10% APY

Your money earns while it sits

vs. national avg of 0.07%

Sep
Oct
Nov
Dec
Jan
Feb
Projected annual gain on $8,247+$338.13

Instant Transfers

Split rent in seconds

M

Marcus Webb

Rent split · 2m ago

+$280.00
J

Jordan Kim

Dinner at Lilia · 1h ago

-$45.50
P

Priya Nair

Utilities split · Yesterday

+$120.00
Transfers settle in <10 seconds via RTP network

Round-Up Engine

Save without thinking about it

Every purchase rounds up to the next dollar. The spare change flows into your 4.10% APY savings bucket automatically.

$47.82 saved this month from 94 round-ups
☕ Blue Bottle
$3.50+$0.50
🥑 Whole Foods
$47.23+$0.77
🚇 Transit Card
$2.75+$0.25
🍕 Joe&apos;s Pizza
$14.60+$0.40

Fee Comparison

The math is embarrassingly clear

Your current bank charges you to hold your own money. We don't.

Monthly Fee
Min Balance
ATM Fee
APY
Overdraft
L
Ledger
$0
$0
$0 (55K+ ATMs)
4.10%
$0
Chase
$12/mo
$1,500
$3.00
0.01%
$34/event
Wells Fargo
$10/mo
$500
$2.50
0.01%
$35/event
Chime
$0
$0
$2.50
2.00%
SpotMe® only

Data accurate as of February 2026. Bank fees vary by account type and balance maintained.

From Real Users

They did the math. So can you.

01 / 03
💰 $487 saved in year 1
IwaspayingChase$144ayeartodoabsolutelynothing.Ledgerpaysmeinstead.Theround-upsavingsalonecoveredaweekendtriptoMontauk.
Daniela Reyes, UX Designer at Figma

Daniela Reyes

UX Designer · Figma

Click to see next story

Get Started

4 minutes to a better account

No hard credit pull. No minimum balance. No monthly fees. Just a checking account that works.

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Open your account

Takes 4 minutes. No hard pull yet.

Soft credit check consent

I authorize Ledger Financial Inc. to perform a soft credit inquiry to verify my identity. This will not affect my credit score and will not appear as a hard inquiry on my credit report.

✓No hard credit pull — ever for basic checking
✓FDIC insured up to $250,000
✓Account open in under 4 minutes

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