Get your money faster and safer by opening a Bank On certified account now.

BankOn National Account Standards 2021-2022 Approved Seal

Need a safe bank or credit union account to get payments and manage your money?

Prepaid cards may charge fees for using ATMs or accessing customer service, and may not allow you to load cash or other payments onto the card so you can keep your money all in one place.

Nationally certified Bank On accounts have no overdraft fees, most cost $5 or less a month, and you can use them to manage your money and pay bills at no cost. You can open a certified, affordable bank or credit union account now to receive and use your money faster, safer, and less expensively.

You can open your own affordable, safe, and certified bank or credit union account now.

  1. STEP 1 Pick a bank or credit union from the list below

  2. STEP 2 Open your own safe Bank On certified account

  3. STEP 3 Start using your new account!

Why is a Bank On certified account right for you?

Get your money faster and cheaper through direct deposit into your account, without having to leave home. A prepaid card or paper check can lead to fees for everyday needs, just for accessing your own money – and you may need to go in person to get your money.

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Your Money is Secure

Bank and credit unions take your personal security seriously with cutting-edge software and tools to help you protect your personal financial data and keep your money safe; these accounts also are federally insured so you can’t lose your money if the bank or credit union closes.

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No Surprise Fees

These Bank On certified accounts don’t allow overdraft or insufficient fund penalties; almost all of them cost only $5 or less per month; and you only need $25 or less to open your new account.

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Convenient Tools

These accounts have online tools to help you control your money, deposit your paycheck, and pay your bills - all free of charge.

What is Bank On?

Bank On is a national movement, led by national nonprofit organization the Cities for Financial Empowerment Fund (CFE Fund), that works to make sure everyone can open a safe and affordable bank or credit union account.

What is a Bank On certified account? The CFE Fund certifies bank and credit union accounts as meeting the Bank On National Account Standards; accounts that meet our Standards have no overdraft fees, keep your money safe, and almost all cost $5 or less a month.

Which banks and credit unions offer Bank On certified accounts that can be opened online?

To open your new account online, you may need:

  • Social Security Number or ITIN number
  • State-issued identification (like your Driver’s License)
  • Passport or a country-issued identification card
  • Mailing address
  • Date of Birth

Having trouble opening one of these accounts? Contact the customer service of the bank or credit union where you want to open your account.

Want to see more Bank On certified accounts?

There are over 150 available across the country.

Find One Now!