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Online Banking

Vast Crypto Banking

Buy, sell and hold crypto through a mobile banking app offered by a traditional bank. While you're at it, earn 2.65% Annual Percentage Yield (APY) on your checking balance.1

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Vast Bank is the first nationally chartered U.S. bank that allows you to buy, sell, and hold cryptocurrency assets through your mobile banking app.

You get two accounts — a checking account earning 2.65% APY and a crypto account — in one easy-to-use mobile app.1

For the crypto-curious and crypto-connoisseur, it makes more sense than ever to custody crypto with a bank. As a nationally chartered and federally regulated financial institution, you can trust that when you hold crypto in our Vast Crypto Banking app, it’s here to stay and available to quickly transfer to USD. And, while you safely buy, sell and hold digital assets, the USD in your checking account is earning 2.65% APY.1
 

This is Crypto the Vast Bank way.2,5,6

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How crypto banking works:

1. Download the app, create a login, and set up your crypto and checking accounts.

2. Use a simple bank transfer to deposit USD into your checking account.1,2,3

3. Seamlessly buy crypto using your checking account funds.

4. Safely store your crypto in your Vast Crypto Banking account.2,5,6

5. Sell crypto and the proceeds are made available in your checking account.

COINS WE CURRENTLY SUPPORT

Offering the most in-demand coins.

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Bitcoin (BTC)

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Ethereum (ETH)

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Filecoin (FIL)

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Cosmos (ATOM)

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Chainlink (LINK)

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Cardano (ADA)

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Litecoin (LTC)

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Aave (AAVE)

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Bitcoin Cash (BCH)

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Orchid (OXT)

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Tezos (XTZ)

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Algorand (ALGO)

Our Difference is Simple

We are one of the easiest and safest ways to buy and manage cryptocurrency, while offering many of the benefits of a traditional bank — all in a convenient package.

Crypto Account

  • Buy, sell, and hold digital assets5
  • Low 1.00% transaction fee
  • Real time settlements6
  • A variety of coins to choose from
  • Please note: No wallet to wallet transfers5

*Disclosures

5 Digital assets (i.e. cryptocurrencies) held in your digital asset account (i.e. crypto account) are not insured by any governmental entities, including but not limited to FDIC or SIPC. As with any asset, the value of digital assets can go up or down and there can be substantial risk that you lose money buying, selling, or holding, in digital assets. Your digital account does not support wallet to wallet transferring of your digital assets (i.e. cryptocurrencies). You should carefully consider whether trading or holding digital assets is suitable for you in light of your financial condition. No Bank Guarantee and May Lose Value. For additional terms and conditions governing your digital asset account, please refer to our Digital Asset User Agreement.

Checking Account

  • Earn 2.65% annual percentage yield (APY) on USD1
  • No minimums (well, $0.01), no limits, no fees
  • Debit card with 56,000 free ATMs worldwide4
  • Account transfers, bill pay, and mobile deposits
  • FDIC insurance2
  • More details

*Disclosures

2 Funds on deposit in checking accounts are FDIC insured.

The Bank + Crypto Difference

We're the first nationally chartered bank to crypto, but we're also a federally regulated U.S. financial institution that's held to very high standards. From business processes to our people, we hold ourselves to just as high of a standard.

2.65% APY checking1

When you deposit USD into your Vast checking account you earn 2.65% APY.1 It’s that simple.

All the regulations expected of a bank

We're a bank first, and that means we're held to the highest financial, security, and privacy standards. We treat your digital assets just as seriously as we treat your USD.

Read our privacy policy.

Customer support

Unlike digital only exchanges, we are a real bank, staffed by caring professionals. We’re here to help when you need it.

FDIC Insurance

Because we're a bank, your checking account is FDIC insured. Crypto assets are not insured, contain no bank guarantee, and may lose value.2,5

Uncomplicated and more secure

Crypto exchanges often require complicated setup, increasing your risk of accidentally losing access to your account. Vast Bank acts as the custodian of your cryptocurrency ensuring you have reliable and secure access.5,6

Manage money and crypto assets side-by-side

Easily buy and sell crypto inside the very same mobile application that you use to manage your money. Deposit checks, transfer money, and pay your bills - all in a convenient place.1,3,5,6

 

*Disclosures

1 The Annual Percentage Yield ("APY") for the Vast Checking Account is variable and may change at any time based on Vast's discretion. The disclosed APY is effective as of March 26, 2023. No minimum balance requirements apply to maintain this account. You must have at least $.01 in the Vast Checking Account to earn interest.

2 Funds on deposit in checking accounts are FDIC insured.

3 Deposits to your DDA account may be subject to different funds availability timeframes. We will make up to $1,000 of the initial funding transfer from an external account available for trading on the day of deposit. The remaining initial funding transfer from an external account will be available 5 business days after the day of deposit. All other deposits may be subject to different funds availability timeframes.

4 Certain banks may apply additional fees, such as out-of-network ATM charges and foreign exchange fees. ATM withdrawals are free at any Allpoint or Transfund network ATM.

5 Digital assets (i.e. cryptocurrencies) held in your digital asset account (i.e. crypto account) are not insured by any governmental entities, including but not limited to FDIC or SIPC. As with any asset, the value of digital assets can go up or down and there can be substantial risk that you lose money buying, selling, or holding, in digital assets. Your digital account does not support wallet to wallet transferring of your digital assets (i.e. cryptocurrencies). You should carefully consider whether trading or holding digital assets is suitable for you in light of your financial condition. No Bank Guarantee and May Lose Value. For additional terms and conditions governing your digital asset account, please refer to our Digital Asset User Agreement.

6 Transfers and/or deposits may be delayed due to unforeseen technical issues or issues beyond our control. Vast Bank works to ensure any potential delays are identified quickly and kept to a minimum.

 
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