Spending and Savings Accounts

At FinFit, we believe affordable banking should be accessible to all – including you – without unnecessary fees or unfair requirements. With our new Spendings and Savings Accounts, we’ve done just that. Welcome to a better way to bank.

Let us show you.

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Did you know? Approximately 63 million Americans are either unbanked or underbanked. People with little to no access to banking services fall victim to payday loans and high-interest lines of credit every single day. There’s a better way.

Our accounts include:

Free Visa^® debit card and virtual card
Use anywhere Visa® is accepted.
Virtual card can be added to Google Pay, Apple Pay and the Samsung Pay wallets.
NO Monthly Maintenance Fees
NO Minimum Balance Requirements
CONSISTENT Cash Back¹
COMPLETELY Free to Open
COMPLETE CONTROL of your Finances

Plus, you can get paid faster with Early Direct Deposit.

Get financial freedom up to 48 hours faster, with Early Direct Deposit from FinFit². Whether your bills are due, the car needs gas, or a holiday is around the corner, you can get access to your full paycheck up to two days before payday when you link a FinFit Spending & Savings Account to direct deposit your paycheck. Even better, there are no fees, interest, or penalties.

Keeping you in the driver’s seat.

FinFit Spending Accounts can be managed with the FinFit Mobile App.

Applying for an account is free.
The process takes less than 2 minutes.
There is NO impact on your credit score.

Find out if your employer offers this benefit.

If you access benefits via your employee portal, click the FinFit link within your portal.

New to FinFit?

Activate Your Membership

¹ Earn 0.50% unlimited cash back on purchases. Rewards will be credited on the 15th of each month and will cover the previous calendar month. Ver 04 rev 01/01/2023

FinFit is a financial technology company and is not a bank. Banking services provided by Choice Financial Group; Member FDIC.

The The FinFit Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

² Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date. However, this availability is not guaranteed. It’s that simple—no need to sign up. If you qualify, you will automatically receive your pay early.

FinFit Loans are issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Loans subject to credit approval. Residents of Colorado, Connecticut, Iowa, Vermont, West Virginia, Nevada and Massachusetts are not eligible for loans. Nothing in this advertisement constitutes an offer or solicitation for loan products to residents of those states. Actual time it takes for loan approval dependent upon loan verification set up with your employer.

Funding time dependent upon funding method selected. Expedited funding may incur additional fees.

Student loan services are provided by unaffiliated third parties. FinFit loans issued by Celtic Bank do not include student loans.

Wage Now is fully funded and managed by an affiliate of FinFit. If any fees apply, those fees will be disclosed prior to entering into any agreements.
Residents of California, New York, North Dakota, South Dakota, Tennessee and Vermont are not eligible for WageNow. This does not constitute an offer or solicitation for WageNow to residents of those states.

FinFit’s Financial Wellness Program, which includes educational content, a financial assessment and a financial dashboard, are free to registered members.
Services offered may incur fees and/or interest. All fees will be disclosed prior to entering into any agreements.
Products listed are a representation of FinFit offerings. Actual availability may vary. The products available to you and your organization will appear on your FinFit membership dashboard. Actual loan amounts and rates offered vary based on lender, credit worthiness and other factors.