US · USD

United States digital banks

Most US “neobanks” are fintechs with a partner bank. Chime is not a bank — Bancorp and Stride are. Cash App is not a bank — Sutton Bank and Lincoln Savings are. That distinction is the highest-intent query cluster in US digital banking, and it is also the safety question that matters. FDIC pass-through insurance only works if the partner is an insured bank and the records are in order (Synapse showed what happens when they are not). This country page separates chartered digital banks (SoFi Bank, Varo Bank, Ally) from partner-bank fintechs, and flags crypto platforms that are broker-dealers, not banks.

43Live on NeoBankDB

Regulator

OCC, FDIC, Federal Reserve, FinCEN, state banking departments

Deposit scheme

FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category

In this market

Licence still sits on the product
ProductScoreHQMonthlyFXUsersLicence
Interactive Brokers8.6Greenwich, United StatesNo inactivity on many accountsInstitutional-grade FX; a reason people open it3.3M accountsBroker-dealer / FCM
Wise8.6London, United KingdomFree personalMid-market plus a transparent conversion fee — the category benchmark16M+EMI (personal)
Revolut8.6London, United KingdomFreeFair-usage weekday mid-market; weekend markup on Standard50M+UK bank (eligible customers)
Airwallex8.3Singapore, SingaporeAccount often freeTransparent conversion + payment fees; typically beats banks150k businessesPayments / EMI-class licences by market
Monzo8.1London, United KingdomFreeFee-free FX up to plan caps, then a markup11M+UK bank
Kraken7.9San Francisco, United StatesMaker-takerTight on majors vs retail Coinbase13M+US MSB + exchange
Ramp7.8New York, United StatesSoftware + card; pricing by planFX on overseas card spend40k businessesCommercial card programme
SoFi7.8San Francisco, United States$0 on Checking and SavingsUS domestic. International ATM and spend fees apply.10M+National bank charter
Ledger7.7Paris, FranceApp is free. The signer is a purchase.Buy, swap, and stake in the app are third-party services. Ledger is not the spread.8M+ signersNot a bank. French SAS that sells signers.
Ally Bank7.7Detroit, United States$0 on core spend/saveNot a travel FX productDirect-bank scaleAlly Bank, Member FDIC, national bank
Trust Wallet7.6Global, United StatesFreeSwap aggregator200M+See review
Exodus7.6Omaha, United StatesFree walletSwap partner spread4M+See review
Mercury7.6San Francisco, United StatesFree core operationsInternational wires priced; not a FX specialist200k businessesFintech with partner banks
Coinbase7.5San Francisco, United StatesFree to holdSpread on the retail app; Advanced is tighter100M+MSB + state money transmitter / trust
Relay7.4Toronto / US ops, CanadaFree coreUSD opsTens of thousands of firmsFintech with partner banks
MetaMask7.4New York, United StatesFreeMetaMask Swaps aggregator fee100M+See review
Wahed7.3New York, United StatesAUM fee on portfolios (live rate on site)Conversion inside the portfolio, not a Wise clone300k+Investment adviser / manager — confirm the local entity
Brex7.3San Francisco, United StatesCard program; rewards-funded for eligible start-upsCompetitive on the card; not WiseTens of thousands of firmsCommercial card + treasury partners
Found7.3San Francisco, United StatesFree coreUS domesticSelf-employed baseFintech with partner banks
Varo Bank7.3Draper, United States$0 on the core bank accountNo foreign-transaction fee advertised on the debit card.US digital bankNational bank charter
Kast7.3Singapore, SingaporeFree virtualStablecoin conversion + scheme FXTens of thousands of firmsStablecoin account + Visa BIN
GoHenry7.3London, United KingdomMonthly per child / family planOverseas spend fees2M familiesEMI / prepaid programme
Privacy.com7.2New York, United StatesFree personalUSD only2M+Card programme
Crypto.com7.2Singapore, SingaporeCard tiers gated by CRO stake (terms change — verify)FX on card + spread on crypto sell80M+Exchange + card programme by market
Wirex7.1London, United KingdomFree + paid X-trasCrypto sell + scheme FX6M+EMI (UK)
Chime7.1San Francisco, United StatesFreeNot a travel product22M+Partner-bank fintech
Marcus7.1Salt Lake City / New York, United States$0 savings / CDNot the jobGS Bank savings-scaleOnline brand of Goldman Sachs Bank USA, Member FDIC. Salt Lake City branch
Current7.0New York, United StatesFreeUS domestic4M+Fintech with partner banks
Bluevine7.0Jersey City, United StatesFree checking SKU; factoring and extras pricedUS domestic first500k+ businessesFintech with partner banks
Mercury Personal7.0San Francisco, United States$240 per year — waived while you remain on an eligible Mercury business accountNot a travel specialistFounder personalFintech. Mercury Technologies, Inc. is not a bank. Personal DDA at Choice Financial Group / Column N.A.
Novo6.9New York, United StatesFree checkingUS domestic200k+ businessesFintech with partner banks
MAJORITY6.8Houston, United StatesMembership-priced — confirm liveRemittance corridor is the productMigrant fintech-scaleFintech. Not a bank. US deposits at Axiom Bank, N.A., Member FDIC
Adro6.7New York, United StatesConfirm live student SKUNot the job — this is a US dollar accountCampus-scaleFintech. Banking services via Stearns Bank, N.A., Member FDIC
Limited6.7San Francisco, United StatesSpend-platform pricing — confirm liveCorridor pricingSME spendFintech. Limited, Inc. Not a bank. Banking services via licensed partners
PEX Card6.6Tennessee, United StatesProgram-priced per card / userUS-first; overseas on schemeEnterprises / programsPrepaid / commercial card programme
HUSTL6.5Tucson, United States$0 core — confirm liveNot a travel productFreelance CUDivision of Vantage West Credit Union — federally insured credit union, not a bank
Krak6.4San Francisco, United StatesConfirm the live Krak fee schedule. Do not copy a directory tariff.Crypto to spend conversion is the product. Confirm live pricing.Kraken / Payward appFintech app — not a bank
Arival6.4San Juan, United StatesBusiness plans — confirm liveCorridor pricing, not mid-market magicSME-scaleInternational Financial Entity — Arival Bank International Corp., licence #IFE-065
Kontigo6.3Miami / LatAm, United States$0 core pitch — confirm liveOn/off-ramp spread is the productStablecoin-walletFintech. Not a bank. USDC wallet + card rails. Kontigo Inc.
MoneyLion6.3New York, United StatesFree with qualifying direct deposit; otherwise product-priced — confirm liveNot a travel specialistConsumer-finance scaleFintech. MoneyLion. Not a bank. Spend account at Pathward, N.A., Member FDIC
BankMobile / Vibe6.1Wayne, PA / North Carolina, United States$3.99 unless $300 qualifying deposits — financial-aid refunds do not countNot a travel product700+ partner campusesFintech. Banking services via First Carolina Bank, Member FDIC. BM Technologies, Inc.
Albert5.9Los Angeles, United States$19.99–$39.99 subscription plans (auto-renew) — the actual priceNot a travel productConsumer fintech scaleNot a bank. Cash via Sutton Bank / Stride Bank, N.A.; savings at Wells Fargo, N.A.
Atmos5.3Oakland, United StatesLoan product, not an account feeNot the jobLending marketplaceFintech. Not a bank. Not a lender — marketplace for bank and credit-union loans

Closed in this market

Graveyard
ProductScoreHQMonthlyFXUsersLicence
Jenius Bank5.9Los Angeles / NYC, United StatesWas HYSA-priced — product gone as Jenius Bank—ClosedUS digital brand of SMBC MANUBANK. Not a standalone national bank
Ivella5.2Santa Monica, United StatesWas app-priced — product gone—ClosedFintech. Not a bank. Historic BaaS at Blue Ridge Bank, N.A.
Daylight5.0New York, United StatesWas monthly—ClosedBaaS fintech
Prizepool5.2United States, United States——ClosedBaaS
Synapse4.1San Francisco, United States——End-users at fintechsBaaS middleware
BlockFi4.5New Jersey, United States——BankruptLending / crypto (failed)
FTX5.2Nassau / Hong Kong, Bahamas——BankruptSee review
Celsius4.5New Jersey, United States——BankruptSee review

Do not open. Full file sits in the graveyard.

Questions

01

Is Chime FDIC insured?

Chime itself is not a bank. Eligible deposits are held at partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.) and are FDIC insured up to $250,000 through those banks. Confirm the current partners in the app, because they can change.

02

What is a BaaS collapse risk?

Banking-as-a-service middleware (Synapse is the case study) can freeze end-user funds even when the underlying banks are solvent. Prefer products that name the insured depository clearly and keep ledger records at that bank.

Other markets

Cross-check the scoring weights and the graveyard before you treat a leftover landing page as live.