A checking account that doesn't nickel-and-dime you.
No monthly fee, no minimum balance, and your paycheck can land up to two days early. Just an honest place to keep your everyday money.
Built around the moments that actually cost people money.
Every feature here exists because a real fee or a real wait time used to sit in its place.
Early direct deposit
Your paycheck can post up to two days before your employer's payday, automatically.
$50 overdraft cushion
Dip under zero by $50 or less and we won't charge an overdraft fee — ever.
55,000+ fee-free ATMs
In-network withdrawals never cost you anything, in every state we serve.
Mobile check deposit
Snap a photo of a check and funds are typically available the same business day.
Three checking accounts, one honest ledger.
Most people want Everyday Checking. Here's how all three stack up.
| Most popularEveryday Checking | Premium Checking | Student Checking | |
|---|---|---|---|
| Monthly fee | $0 | $15, waived with $3,500 balance | $0 through age 24 |
| Minimum to open | $0 | $25 | $0 |
| Early direct deposit | Included | Included | Included |
| Overdraft cushion | $50 | $150 | $50 |
| Out-of-network ATM fee refunds | — | Unlimited | 4 / month |
| Dedicated support line | — | Included | — |
| Open Everyday | Open Premium | Open Student |
Your checking account, watched around the clock.
The same fraud monitoring and encryption that protects every Exuma Sound account comes standard — no upgrade required.
Real-time fraud alerts
Unusual card activity is flagged and frozen before it clears.
Instant card freeze
Lock a lost or stolen debit card from the app in one tap.
Zero liability guarantee
You're never responsible for unauthorized charges reported promptly.
Questions people actually ask.
Correct — Everyday Checking has no monthly fee and no minimum balance requirement, permanently, not as an introductory offer.
When your employer sends payroll information ahead of your official payday, we post the funds to your account as soon as we receive it — typically up to two days early.
Standard overdraft terms apply above the $50 cushion. You can also link a savings account for free automatic transfers to cover the difference.
We review applications individually rather than relying solely on a single reporting agency, so a past account issue doesn't automatically disqualify you.
Most applications are completed online in about six minutes, with a debit card arriving by mail within 7–10 business days.
Open Everyday Checking in about six minutes.
No branch visit, no minimum deposit, no monthly fee.
Get started