United States
activeFeaturedNeobank
- HQ
- Detroit
- Fee
- $0 on core spend/save
Adro
US checking for international students. Not a bank — Stearns Bank is.
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6.7Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Adro is not a bank. Your money sits with Stearns Bank, N.A..
If it fails?
FDIC pass-through on eligible deposits at Stearns Bank, N.A. — confirm live. Adro is not FDIC-insured.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Confirm live student SKU
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.7
/10 · Mixed
Adro is a fintech. Stearns Bank, N.A. holds the deposit. That is the only sentence that matters after Synapse. Useful for a student landing file. Not a salary home if you can open Ally or SoFi Bank.
What it is
Adro is a New York fintech built for international students and workers who hit the SSN wall. Banking services are provided by Stearns Bank, N.A., Member FDIC. The app is the onboarding. The bank is Stearns.
Best for: Incoming US students who need a named partner bank before they have an SSN.
Last checked 2026-08-28. Not advice.
What it does well
- +Names Stearns Bank
- +Student-shaped KYC
- +USD checking, not a travel card
- +Virtual + physical
What to watch
- −Not a bank
- −BaaS / pass-through risk
- −US-only once you are in
- −Not Ally, not SoFi Bank
Who holds the money
The account
- Platforms
- iOS · Android
- Account types
- Student / worker checking
- Partner bank
- Stearns Bank, N.A.
- Minimum balance
- $0
- Lowest monthly fee
- Student SKU — confirm live
- Who can open
- Incoming US students and workers
- Availability
- United States
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Personal · Travel
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Bank-grade; still not freeze-proof
- Card
- Adro lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
FDIC pass-through on eligible deposits at Stearns Bank, N.A. — confirm live. Adro is not FDIC-insured.
Who holds the money: Stearns Bank, N.A.
- OCC / FDIC (partner)Fintech. Banking services via Stearns Bank, N.A., Member FDIC · United States
Fees
- Monthly
- Confirm live student SKU
- FX markup
- Not the job — this is a US dollar account
- ATM
- Partner-bank ATM schedule
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Open before arrival (pitch)
- US checking + debit
- No SSN-first story
- Student / worker KYC
- Stearns Bank named
Score
- Safety25%
- 6.6
- Fees20%
- 7.2
- Features15%
- 6.8
- App15%
- 7.4
- Global15%
- 6.0
- Support10%
- 6.2
Change log
Full logSafety
Stearns Bank, N.A. named as the depository
Student checking fintech. Adro is not FDIC-insured. Pass-through at Stearns, confirm live.
Available in
Straight answers
FAQ
01Is Adro a bank?
Adro is not a licensed deposit-taker in the classic sense. Money, if any, sits with Stearns Bank, N.A..
02How is money protected?
FDIC pass-through on eligible deposits at Stearns Bank, N.A. — confirm live. Adro is not FDIC-insured.
03Where is Adro available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Adro.
04Card and wallets?
Adro lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Adro remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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