Banking that moves at
your speed.
Experience premium online banking with instant transfers, crypto wallets, virtual cards, and intelligent financial tools designed for modern life.
Powered by global payment networks
Everything you need in one place
Comprehensive financial services designed for your lifestyle
Checking & Savings
High-yield accounts with no monthly fees, no minimum balance, and instant access to your money. Earn competitive interest rates on savings.
- No monthly maintenance fees
- Up to 4.5% APY on savings
- Free ATM withdrawals nationwide
USD ↔ BTC Wallet
Seamlessly buy, sell, and hold Bitcoin alongside your traditional accounts. Instant swaps between USD and BTC with transparent pricing.
- Instant USD to BTC conversion
- Secure cold storage protection
- Real-time market rates
Virtual Cards
Create instant virtual cards for online shopping with customizable spending limits and merchant locks for enhanced security.
- Instant card generation
- Custom spending limits
- Freeze or replace anytime
ACH & Wire Transfers
Send money domestically and internationally with ACH, wire transfers, PayPal, Zelle, Cash App, and more payment methods.
- Same-day ACH transfers
- International wire support
- Multiple payment methods
IRS Tax Refund Deposit
Get your tax refund up to 5 days early with direct deposit. Simple setup with your routing and account numbers.
- Receive refunds up to 5 days early
- Easy direct deposit setup
- Secure IRS integration
Personal Loans
Competitive rates on personal loans from $1,000 to $50,000. Quick approval process with flexible repayment terms.
- Rates starting at 6.99% APR
- Terms from 12 to 60 months
- No prepayment penalties
Get started in minutes
Join over 2 million customers who have switched to a better way of banking. It's fast, free, and secure.
Create your account
Sign up in minutes with just your ID and basic information. No credit check required.
Connect your money
Link external accounts, set up direct deposit, or deposit cash at participating locations.
Start spending
Use your virtual card instantly or wait for your physical metal card to arrive.
Manage on the go
Track spending, pay bills, and manage crypto from our top-rated mobile app.
Trusted by thousands
"Choice Bank completely changed how I manage my freelance finances. The instant sub-accounts for taxes are a lifesaver."
"The ability to switch between crypto and USD instantly helped me pay international contractors without the usual wire fees."
"Clean interface, dark mode, and actually useful insights. It's the first banking app I don't dread opening."
Ready to upgrade your banking experience?
Join thousands of users who have made the switch to Choice Bank today.