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Online Banking

High-Interest Checking.
Earn 4.05% APY1

Are you earning interest on your checking? As a trusted financial institution for over 40 years, we think you should. Download the app to apply today.

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Checking Account - iPhone

With 4.05% APY, earn 50X more than the national average on your USD8

As featured in

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How to apply for the High Interest Checking Account:

1. Download the app

2. Get your documentation ready to complete the application

3. If everything is in order, your account will be opened in minutes

You work hard. So should your money.

As long as your account is funded with $.01, no minimums, fees or limits keep you from earning at a high rate.1,2,6


Easily pay bills and make secure mobile deposits.

Access your cash with zero surcharges at over 56,000 ATMs worldwide. 

We also offer you the option to buy, sell and hold cryptocurrency5—no obligation, it's your choice.

Bank smart.

4.05% APY checking1

 

Deposit checks, transfer money, pay your bills from your phone, and earn at a high rate on your USD along the way.

No limits, no fees, $.01 minimum

4.05% APY is our rate. As long as your account is funded, you’ll earn at that rate, for whatever balance you have in your account.

Customer Support

We’re 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

56,000 Free ATMs Worldwide4

You can access your cash with zero surcharges at over 56,000 Allpoint and Transfund ATMs worldwide. 

As a bonus, you can buy, sell, hold digital assets

Crypto curious? We offer you the option to buy and sell crypto and offer 12 of the most popular cryptocurrencies.

Our Difference is Simple

You get a high interest checking account and the option to buy, hold and sell cryptocurrency — all from the convenience of a mobile app.

It's your choice. You can hold a checking account with no obligation whatsoever to purchase cryptocurrency.

High Interest Checking Account

  • Earn 4.05% annual percentage yield (APY) on USD
  • 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 insurance up to $250,0002

*Disclosures

2 Funds on deposit in checking accounts are FDIC insured.

Crypto Account

  • Buy, sell, hold digital assets5
  • Low 1.00% transaction fee
  • Real time settlements6
  • A variety of coins to choose from
  • Please Note: No wallet to wallet transactions5
  • More details

*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.

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Download the Vast Bank Mobile Banking app to set up your account in minutes and start earning more on your USD today.

App Store _ Outlined
Google Play _ Outlined (1)

 

*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 August 14, 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 deposits in checking/DDA 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. Vast Bank customers have access to more than 56,000 fee-free ATMs worldwide through our partner ATM networks powered by Allpoint & Transfund.

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.

7 Users will need to read and acknowledge all applicable account disclosures, prior to being provided account access and information

8 Checking account interest rate national average as of August 21, 2023.
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