SwipeYour bank charges you
to hold your own money.
Swipe is the checking account built for right now — zero fees, instant round-up savings, and a dashboard that finally makes sense of where your money went.
$0
Monthly fee, ever
2%
APY on savings
4 min
To open an account
Good morning
Jordan 👋
Total Balance
$2,847.50
68% of monthly budget
Round-up milestone!
You just saved $500 automatically
Rent Split
All settled ✓
Your bank is charging you rent to keep your own money.
These aren't edge cases — they're the business model. Tap each card to see how Swipe fixes it.
Overdraft fees that cost more than the purchase
You spend $4.50 on coffee, your account hits $-0.01, and your bank charges you $35. That's not a fee — that's a penalty for being young.
$35
avg overdraft fee charged by big banks
Swipe never charges overdraft fees. Ever.
If you're a dollar short, we cover it — no fee, no lecture. You get a notification and a 24-hour grace window. Banking that roots for you.
$0
overdraft fee with Swipe, always
Minimum balance requirements that punish broke months
Drop below $1,500 and suddenly you're paying $12/month for the privilege of having an account. Your bank profits when you're struggling.
$144
wasted per year on maintenance fees
No minimums. No maintenance fees. No fine print.
Your account works the same whether you have $8 or $8,000. Open it with $0. Keep $0. We still give you every feature.
$0
minimum balance required
Three-business-day transfers while rent is due today
You get paid Friday. Rent's due Friday. Your bank says "3–5 business days." You scramble. You stress. You pay a late fee.
3 days
average ACH transfer wait at traditional banks
Instant transfers. Direct deposit up to 2 days early.
Get your paycheck up to 2 days before payday. Send money to friends instantly via Swipe-to-Swipe. No more "it's processing."
2 days
early access to your direct deposit
Banking that feels like an app you actually want to open.
From people who learned
money the hard way.
4.9★
128,400+ App Store ratings
I saved $847 in three months and genuinely didn't notice. The round-ups just... did it. I thought savings accounts were for people with extra money.
$847
saved in 90 days
Destiny Okafor
Junior at Ohio State, barista + freelance designer
My old bank charged me $35 when my Spotify charge hit and I was $2 short. Swipe texted me, covered it, and charged me literally nothing. I cried a little.
$0
in overdraft fees this year
Caleb Reyes
Recent grad, first job in Austin, TX
Splitting rent with three roommates used to be a whole group chat situation. Now I just send the split in the app and it's done by the time I finish sending the message.
4 min
to settle $2,400/mo rent
Zoe Nakamura
Sophomore, NYU — splits a Williamsburg apartment with 3 others
The Money Guide
for Your Twenties.
A free illustrated PDF covering the three money moves everyone wishes they knew at 21. No fluff, no upsell — just the framework.
The First Paycheck Trap
Why 73% of first jobs leave you broke by day 20 — and the 3 moves that change that.
Round-Ups, Side Hustles & The $500 Trick
How to build a real savings buffer without changing your spending habits.
Splitting Bills Without Losing Friends
Rent, utilities, groceries — a system that makes shared expenses drama-free.
Get your free copy
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