United States
activeFeaturedNeobank
- HQ
- San Francisco
- Fee
- Free
Daylight
US LGBTQ-focused neobank. Shut the lights.
Closed 2024-11
Tap a star to jump to reviews
5.0Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Daylight is not a licensed bank. Confirm who the money sits with before you send salary there.
If it fails?
Was FDIC via partner — gone with the programme
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
Was monthly
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.0
/10 · Caution
Community is not a charter. Partner-bank maths still win.
What it is
Daylight was a US neobank for LGBTQ customers. It closed when the partner-bank economics did not work. Chime-scale distribution was never the plan, and BaaS does not forgive that.
Best for: Graveyard — niche BaaS cautionary.
Last checked 2026-08-01. Not advice.
Closed 2024-11
Shut down after failing to find a sustainable partner-bank path.
What it does well
- +Clear community thesis
What to watch
- −Closed
Who holds the money
The account
How money actually moves
- Who holds the cash
- Insured bank deposit
- How money moves
- ACH / USD
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Closed — no new customers
- Card
- Daylight 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
Was FDIC via partner — gone with the programme
- Partner bankBaaS fintech · United States
Fees
- Monthly
- Was monthly
- FX markup
- —
- ATM
- —
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Debit
- Community positioning
Score
- Safety25%
- 5.0
- Fees20%
- 5.0
- Features15%
- 6.0
- App15%
- 7.0
- Global15%
- 2.0
- Support10%
- 5.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Daylight a bank?
No. Daylight is filed as BaaS fintech. Read who holds the money before you treat it as a salary account.
02What happens to money in Daylight if it fails?
Was FDIC via partner — gone with the programme
03What does Daylight charge each month?
The monthly fee on this file is Was monthly. Fees change — open the operator's pricing page if it is linked.
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.
Alternatives
activeFeaturedNeobankBroker
- HQ
- San Francisco
- Fee
- $0 on Checking and Savings
activeNeobankBroker
- HQ
- Gland
- Fee
- No fees whenever possible — live list on yuh.com/en/pricing