Checking
Checking that works as hard as you do.
No monthly fees, no minimum balance, and money that moves the moment you need it to.
Everything your money needs, built in.
One bank, multi-currencies
Hold and track balances across currencies from a single view.
Checking
Available balance
$24,580.12
Euro Account
Available balance
€9,234.00
Savings
Available balance
£12,900.50
Move money in seconds
Send funds between your own accounts, landed instantly.
From
Checking
$24,580
To
Savings
$5,000
Every bill, one place
Pay electricity, internet, phone, and more without leaving the app.
Electricity
Paid
Internet
Paid
Water
Due soon
Budgets that keep you on track
Set spending limits by category and watch progress in real time.
Groceries
$340 of budget
Dining
$276 of budget
Built for how you actually bank
No monthly fees, ever
No minimum balance, no maintenance charges, and no fee to open your account.
Instant transfers
Move money between accounts or send it out to friends and family in seconds.
Mobile check deposit
Snap a photo of a check and deposit it from wherever you are, no branch visit needed.
Freeze your card in one tap
Lost it? Lock it from the app before you've even hung up the phone.
Get paid up to 2 days early
Set up direct deposit and access your paycheck as soon as your employer sends it.
Fee-free ATM network
Withdraw cash at thousands of in-network ATMs nationwide with no surcharge.
No fine print. No hidden fees.
We built our checking account around a simple rule: if it costs you money to bank with us, we tell you upfront. Here's everything we don't charge for.
Open a Checking AccountMonthly maintenance fee
$0Minimum opening deposit
$0Minimum balance requirement
$0In-network ATM withdrawals
$0Mobile check deposit
$0Debit card replacement
$0Open your account in three steps
Apply online
Tell us a bit about yourself. Most applications take less than five minutes.
Get verified
We confirm your identity instantly, no paperwork or branch visit required.
Start banking
Fund your account and start spending, saving, and transferring right away.
Common questions
Begin your journey with Oakley Trust
Whichever way you'd like to start, we're ready when you are.
