Everyday Checking
PopularNo-fee checking with contactless payments and instant notifications.
- Fee-free debit
- Instant card lock
- Mobile check deposit
Trusted · Secure · Fast
Banking Built for Your Future
Secure accounts, fast transfers, and tools that help you plan — all in one place. Trusted banking with modern simplicity.
No hidden fees
FDIC insured
Secure signup
Trusted by 1M+ customers
FDIC insured
Banking-grade encryption
FDIC insured
SSL encrypted
Top security rating
About Seedling Bank
We provide modern banking built on industry‑grade security, transparent pricing, and delightful digital experiences. Whether you’re managing daily spending, saving for goals, or exploring lending and investments, Seedling Bank offers simple tools that scale with your needs.
Secure by designEncryption, MFA, continuous monitoring
Transparent feesNo hidden charges, clear pricing
Fast transfersInstant payments and easy ACH
Our Services
Everything you need to manage money with confidence — accounts, payments, lending and investing, backed by strong security and great support.
Smart Savings
Automated goals, competitive rates, and flexible access when you need it.
- Auto-save rules
- Competitive APY
- Goal tracking
Secure Lending
Competitive personal and mortgage loans with transparent terms.
- Flexible terms
- Clear rates
- Quick decisions
Investing & Wealth
Personalized portfolios and advice to help grow your wealth over time.
- Low-cost ETFs
- Robo-advice
- Goal-based plans
24/7 Support
Around-the-clock support for accounts, fraud help, and technical questions.
- Live chat & phone
- Dedicated fraud team
- Fast response times
No hidden fees
Transparent pricing across accounts and services — what you see is what you pay.
- Clear fee schedule
- No surprise charges
- Easy statements
Trusted by customers
JL
Jamie L.
Longtime customer
Banking that just works — simple, fast, and reliable for day-to-day needs.
"I switched and haven't looked back. Their app and support are top-notch."
PK
Priya K.
Security researcher
Excellent security and support — I trust them with my business accounts.
"Strong encryption and responsive fraud monitoring gave me confidence."
AR
Alex R.
Freelancer
Smooth transfers and tools — saves me time reconciling payments.
"Quick transfers and clear statements make bookkeeping easy."
Contact Us
Questions about products, partnerships or support? Send us a message and we'll respond within 1 business day.