Discover the simplicity and transparency of banking with no hidden costs.
In a world where traditional banks often bury fees in fine print, Vault.Bank takes a different approach. We believe that modern banking should be simple, transparent, and accessible to everyone. That’s why we’ve built a no-fee bank account model that puts your financial goals first without the extra charges.
Whether you're managing daily expenses, saving for the future, or just looking for a better way to bank, Vault.Bank offers a clean, digital experience designed for today’s saver.
What Makes Vault.Bank Different?
1. No Monthly Maintenance Fees With Simple Conditions
Vault.Bank offers fee-free checking through its Demand Accounts, but there are conditions:
- The $4.95 monthly maintenance fee is waived if you maintain a daily balance of $2,500 or set up direct deposit.
- For Savings Accounts, the fee is waived if your average daily balance stays above $100.
This structure ensures that customers who actively use their accounts or maintain modest balances can bank without monthly charges.
2. No Minimum Balance to Open
You can open a Vault.Bank Demand Account with no minimum balance requirement. However, to avoid maintenance fees, maintaining a balance or setting up direct deposit is recommended.
3. Low Overdraft Fees with Safeguards
Vault.Bank charges a maximum of $10 per day for overdrafts, and only on certain items. They also offer overdraft safeguards to help you avoid these charges altogether.
4. No ATM Fees at 40,000+ In-Network Locations
Vault.Bank customers enjoy free ATM withdrawals at over 40,000 MoneyPass® ATMs nationwide. Using an out-of-network ATM may result in fees from both Vault.Bank and the ATM operator.
Built for the Digital Banking Experience
Vault.Bank isn’t just fee-conscious, it’s fully digital, giving you the tools to manage your money anytime, anywhere.
- Mobile App Access: Track spending, transfer funds, and set savings goals from your phone.
- Real-Time Alerts: Stay informed with instant notifications about deposits, withdrawals, and account activity.
- Secure Login: Biometric authentication and two-factor security keep your account safe.
Why Modern Savers Choose Vault.Bank
Today’s savers want control, clarity, and convenience. Vault.Bank delivers all three without the friction of hidden fees or outdated banking practices. Whether you're a freelancer, entrepreneur, or someone who simply values transparency, our platform is designed to support your financial journey.
