High-yield savings. Real-life possibilities.

A great rate.
A real person.
Why Choose?

Your money should be doing more.

4.35%

APY1Personal Savings

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More life. Less banking.

At Vault.Bank, we’re your partner in progress. Whether you're managing everyday expenses or saving for the future, our personal banking accounts are designed around real people and real needs.




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Accounts

Account Options

Demand Accounts - For your everyday spending with a Vault Debit Card included.

Savings Accounts - High interest account. Helps save for your future goals.

Minor Accounts - Joint accounts owned by the minor, but managed and monitored by the parent or guardian.

Safe and secure

Securing Your Data
Is Our #1 Priority

  • 1

    We utilize strong, industry-standard protocols to ensure the safety and confidentiality of your data.

  • 2

    We enforce multi-factor authentication across all your accounts and transfers.

  • 3

    We employ state-of-the-art tools to detect and halt suspicious activities.

Features and Services

Why Vault.Bank?  

Open an Account Fast

Start banking in minutes with our quick and hassle-free account opening process.

Money Transfer

Instant debit card transfers carry a 2% fee. Review applicable processing times and funds availability before submitting a transfer.

Money Flow

Effortlessly streamline your finances with our intuitive and automated money management tools.

Family Accounts

Manage finances together with
dedicated family accounts for seamless control and transparency.

Easy-to-Use App

Navigate effortlessly and access
banking features with ease on our user-friendly mobile and web apps.

Saving Goals

Set and achieve your financial goals with personalized savings tools tailored to your needs.

Aerial view of a cityscape with diverse buildings, streets, greenery, and a river on the right side.

Opening my savings account at Vault.bank was the easiest banking decision I’ve ever made. The rates are great, transfers are fast, and every single person I’ve dealt with has been warm, friendly, and helpful.

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Customer
— Green Bay, WI
Aerial view of downtown Madison, Wisconsin, featuring the state capitol and nearby lakeshore under a partly cloudy sky.

I can move money between my accounts in seconds, which makes managing my savings so simple. The staff is always cheerful and quick to help — it feels like talking to a friend, not just a banker.

Vault Bank Triangular Orange Logo No Text
Customer
— Madison, WI
Aerial view of Whitefish Bay, Michigan town with buildings, trees, and Lake Michigan waterfront under clear sky.

Vault.bank helped me set up a savings plan that actually works for me. I love how easy it is to transfer extra funds from my checking — and the friendly service makes me so happy I can’t believe it’s a virtual bank feels like a community bank.

Vault Bank Triangular Orange Logo No Text
Customer
— Whitefish Bay, WI
Aerial view of river with bridge, a green park, and a town with buildings under a blue sky.

I’ve never had a bank where it was this easy to grow my savings. Transferring money online or in the app is effortless, and when I call with a question, the team is so friendly that I actually enjoy the conversation.

Vault Bank Triangular Orange Logo No Text
Customer
— Stevens Point, WI
Downtown street at sunset with historic brick buildings and lit street lamps.

Between the great savings rates, the super-fast transfers, and the welcoming staff, Vault.bank just makes banking stress-free. I always leave smiling — and my savings account keeps growing.

Vault Bank Triangular Orange Logo No Text
Customer
— Brodhead, WI

Ready to get started?

Sign up today and experience the difference of banking with Vault.Bank.

Open an Account
Empowering Your Finances

Our Commitment to You

At Vault.Bank, your financial goals are our foremost focus. We combine state-of-the-art technology with exceptional customer service to strengthen your financial future and help you reach your potential. With our commitment to excellence and innovative solutions, Vault.Bank serves as a trusted partner, providing security, reliability, and empowerment on your financial journey.

Armed With
Innovative Technology

Just like a physical vault protects sensitive materials within, we use superior technology to ensure your banking experience is as secure and user-friendly as possible.

Unwavering
Customer Service

At Vault.Bank, we are devoted to our customers. You can reach us almost anywhere. It is with great satisfaction that we can assist you by phone, app, or chat!

Honesty
and Integrity

We stand firm in our values, embodying what it means to be honest and trustworthy. We will always do what’s beneficial for you, keeping your best interests in mind.

Tenacious
Strength and Stability

We pride ourselves in our security and reliability. The foundation of our bank is like that of impenetrable vault doors – reinforced and durable – so you never have to worry about your finances.