About Bank X

A real bank with real people but no branches.

It's not a huge leap of faith to order a pair of shoes online; it is a larger leap to entrust your money to a company that exists only on your computer screen or smartphone. Here's why you don't need to worry:


branchless bank
  • We're Insured: All deposits at Bank X are FDIC insured up to $250,000 per depositor.

  • We're not new at this: , has been perfecting the online banking model for 14 years.

  • We Win Stuff: The experts have taken notice. Bauer Financial gives us a 5 out of 5 star rating and SNL ranked us the #1 Top Thrift of 2012, 2013, 2014, and 2015.

  • We're Bodyguards Moneyguards: We keep your money safe, so you can access it whenever you want, wherever you are. Guaranteed.



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Who we are

We hesitate to talk about ourselves because our goal is to make banking about you. But so you know where it's all coming from: We are a group of people just like you who believe it's time for a change in banking. We feel it's wrong to pay to use your own money. It's time that you had total control over your and .


What we do

Imagine a bank in your room. In your kitchen. In your bathroom (kind of weird, but definitely convenient). In your office. In your car. And at the beach... A bank so convenient that you could get your banking done from anywhere that you have your PC or smartphone. It's time to 1-UP (any Super Mario fans out there?) your banking platform. Banking that delivers excellent customer service and great interest rates without outrageous costs. That's Bank X.



Five Star Bauer Rating

How we do what we do

Bank X operates on an innovative branchless banking business model. Since we don't have to spend money maintaining physical branches, we can pass those savings along to you. There are perks to this relationship. We don't have our own ATMs but will let you access any ATM in the nation and even reimburse you any feesĀ¹. That's how we roll.


So what?

At Bank X, our financial products are simple. You don't need an accountant or a lawyer to understand our checking, savings, or products and services. Straightforward banking with some nifty bonuses, minus the costs that bigger banks often charge. The focus is totally on you, exactly where it should be.

Don't just take our word for it, though. or give us a buzz at 1-877-247-8018 and find out for yourself what Bank X can do for you.