Saying no to branches means saying yes to more of what you want and need from a bank.

Because we're an all-digital banking platform, we spend less on expensive branches – that's how we can offer higher interest rates. And we offer the peace of mind that comes with knowing we’re a Member of FDIC, and have the highest possible A+ rating from the Better Business Bureau.

Banking as close as your smartphone, tablet or computer. And, as close as one of our over 92,000 surcharge free ATMs**

That’s more ATMs than the top five U.S. banks own, combined^^. It’s easy to get cash just about anywhere you are, anytime you need it. Use our ATM locator in the MemoryBank App or online to find your nearest surcharge free ATM in the U.S. or internationally.

Your security is our first priority

From advanced security protocols like one-time passwords for new devices, 128-bit encryption and biometric log in, to the microchip embedded in your MemoryBank MasterCard® Debit Card, we implement and offer a number of services, policies and procedures to keep you safe. In addition to protecting your MemoryBank account and banking activity, we even also offer free software, IBM® Security Trusteer Rapport®, that will help protect you and your web activity beyond MemoryBank.

With MemoryAlerts, we'll remember so you don't have to

MemoryAlert notifications give you the peace of mind of knowing if you have enough in your EarnMore^ Account for day-to-day spending, and enough to build long-term memories - all earning 30X* more. There are two easy ways to set your MemoryAlert push notifications, texts, or emails after you've enrolled in MemoryBank digital banking. 1) From the App, log in and go to the App Settings to enable and customize your push notifications. 2) Or, from your computer, log in and go to "Manage My MemoryBank." Click "Add and manage your account notifications" to set up and customize SMS Text and email alerts.

Just because we're branchless doesn't mean we're not here to help.

Great service made simple—just contact us through live chat or by phone at 1-877-757-3400. What's more, if we see that you might be stuck or have a question, we’ll reach out to help through our proactive live chat.


So many more digital banking conveniences. For your life.

Open your account from your smartphone or computer. Apply in as little as 10 minutes. No more finding an open branch. No more mailing an application and waiting. Get started now.


24/7 banking the way you want it. Once you’ve opened your account, download our free App‡ for your iPhone®, iPad®, Android™ phone or tablet, or Amazon Fire®, or manage your banking right here on our website.


Secure mobile login without needing to remember your password. Use your smartphone’s fingerprint ID‡‡.


The info you need – whenever, wherever. Just swipe down the App’s log-in screen to check your balance — no actual log-in required. And set up your own custom notifications — for transactions, deposits and when you go below any specific balance you choose — through push notifications, texts or emails.


Get moneyback rewards when you shop. Use your MemoryBank App or online banking to find and activate moneyback offers for the kinds of places you like to shop and dine1.  Then use your MemoryBank MasterCard® debit card to pay, and the cash rewards you’ve earned will be directly deposited into your MemoryBank account2Learn more about Purchase Rewards.


Keep your wallet in your pocket when you pay – use your MemoryBank MasterCard Debit Card with Apple Pay®, Android Pay™, or Samsung Pay®†† on your compatible devices for in-store and in-app purchases. Learn more about setting up Apple Pay ®Android Pay™, and Samsung Pay ®††.


No cash to pay someone? No problem. With Popmoney® built into the MemoryBank App, it’s as easy as texting or emailing. You can send and receive money with just about anyone without cash or checks. Free transfers take place in just 3 business days, and you can get next business day transfers for no additional cost.


No paper, no searching, no filing. Log in to your account and click the online statements link to view, sort, search, save and print the last 18 months of free online statements. All while reducing the risk of ID theft and mail fraud by having your statements stored safely within online banking.


Pay bills without checks, envelopes or stamps. And with complete control. With free Bill Pay you can pay anyone in the U.S.. by scheduling a single, recurring or future-dated payment.


Deposits easily go in – without you having to go in. Into a branch, that is. It’s as easy as snapping a picture of a check with your phone or tablet, and setting up direct deposits to your MemoryBank account3.

It's easy to get more.

For life.

Open your account from your smartphone or computer today, and then download the MemoryBank App.


1 It may take up to 60 days after you start using your debit card for offers to become available. Rewards vary by merchant and by offer. Availability may be restricted to certain merchant locations and may have certain time restrictions. Offers may be limited to one-time use, and may require certain minimum spend. Certain restrictions apply. You can opt out at any time by clicking the "Stop receiving all offers" link on the Purchase Rewards summary page.

2 Timing of deposit may vary depending on merchant and/or offers.

3 Message and data rates from your wireless carrier may apply. Usage and qualification requirements apply for Mobile Deposit. Some mobile deposits may have the availability of funds delayed based on recent account activity or other factors outlined in the updated Internet and Mobile Banking End User Agreement. If funds are delayed, you will be notified by email detailing when the funds will be available for use.