The FinanceCreation Cash Account offers high-interest checking with no account fees. Enjoy 0.35% APY, get paid up to two days early when you direct deposit, pay bills and friends, and easily access cash with a debit card.Get Started
Earn more on your paycheck.
Get paid up to two days earlier.
Set up direct deposit with the Cash Account and get your paycheck up to two days early. The earlier you get your paycheck, the more time you have to earn interest.
Earn more, keep more.
No account fees.
- No excess activity fee
- No stop payment fee
- No fees at 19,000 ATMs
Fast Access to Every Penny.
Enjoy Checking Features.
- Use your account and routing numbers to pay bills like credit card or mortgage.
- Get cash from 19,000 free ATMs with your debit card.
- Send one-time or recurring checks in just a few taps.
- Deposit checks with your mobile app.
- Make purchases with Apple Pay or Google Pay.
- Pay friends with Cash App, Venmo, or Paypal.
through our partner banks — that’s 4x the coverage from traditional banks.
$1 Million FDIC Insurance
Easily move money to your investment account and other accounts whenever you want.
$1 MinimumIt only takes $1 to open and there are no account minimum fees ever.
Our vision of
Self-Driving Money™ starts with the Cash Account.
Innovation is in our DNA.
Typical banks let your money sit in your accounts, without finding ways to earn you more.
We use technology to make you more money on all your money.
Our vision is to optimize the allocation of your money across accounts and put it to work effortlessly. Deposit your paycheck with FinanceCreation and decide if you want us to automate the rest with the click of a button. Our software can top off your emergency fund, pay all your bills, and even invest the rest to help meet your goals. We call this future Self-Driving Money™.
As the hub for all your money, the Cash Account is the cornerstone for this vision.
We can’t wait to show you more.
As featured in
Our clients number over400,000
Interest paid to clients exceeds$115 million
Let’s take a breath and review:
Get your paycheck up to two days early
Set up direct deposit and start earning interest on your paycheck. We’ll even pay you up to two days early. The earlier you get your paycheck, the more time you have to earn interest.
Earn a high APY
Earn a 0.35% APY on all your cash. That’s 8x the national average of 0.04% per FDIC.gov.
Enjoy checking features
Whether it’s your rent payment or your credit card bill, paying your bills through your Cash Account is easy to set up. You can even send and deposit checks right from the app.
Access to 19,000 free ATMs
Use your debit card to get cash when you need it.
No account fees, ever
We don’t charge account minimum fees, monthly service fees, overdraft fees, excess activity fees, or other account fees. Keep what you earn.
FDIC insured up to $1 million
Your cash is FDIC insured through our partner banks for up to $1 million. That’s 4x the insurance that the traditional bank provides.
Unlimited, free transfers
Move money in and out of your account as many times as you want. You can easily transfer your money directly to a FinanceCreation Investment Account or a FinanceCreation IRA when you’re ready to invest.
It only takes $1 to open an account and there are no account minimum fees ever.
Finally, a cash account that’s built for you.
We get it: money and its terms can be confusing. We’re here to simplify with answers to some of the most frequently asked questions when it comes to our Cash Account.
Will I be charged any fees?
There are no account fees for the Cash Account. And you don’t pay any fees when you use one of our 19,000 fee-free ATMs – our in-app ATM Finder will show you the location of the closest ones. If you use ATMs outside our network, fees may apply.
Why is my rate subject to change?
The APY on the Cash Account is dependent on the federal funds rate. We move your funds to partner banks who accept and maintain deposits and pay a rate based on the fed rate. As rates move, we will do everything in our power to keep our rates as competitive as possible. Learn more.
How do I pay my bills with the Cash Account?
Your Cash Account comes with account and routing numbers, which you can use to pay credit card bills, rent, mortgage and more if the payment platform accepts that method. If you request a debit card, you can use the 16-digit card number to pay your bills. Or, for bills that must be paid by check, you can send a physical check directly from your Cash Account.
Can I get checking features on my Joint Cash Account or Trust Cash Account?
Checking features aren’t currently available for these account types — but we’re working on adding them soon.