MyBank builds meaningful friction between impulse and spending. Dual-balance architecture separates your available funds from your committed future — so your money works as hard as your goals.
Available Balance
$2,840
Spend freely
Committed Funds
$14,200
Time-locked
Active Goals
The science is clear: reducing friction enables spending. We flip that equation.
Funds flow into your dual-balance ledger. Available balance is spending-ready. Committed balance is your future.
ACH, wire, and direct deposit supported
Designate savings goals with a release date. Funds are committed — not gone, just protected from impulse.
Customizable lock periods from 7 to 365 days
Want to withdraw early? You can — but only after a mandatory 48-hour cooling window and written acknowledgment.
Intentional design, not a locked vault
Competitive APY on committed balances. The longer you stay committed, the more your discipline pays.
Up to 4.85% APY on committed funds
Built for compliance, designed for humans. Every feature serves the mission of intentional saving.
Real-time separation of available and committed funds backed by a double-entry ledger — every dollar is tracked, reconciled, and audited.
Built on regulated Banking-as-a-Service rails with full SAR/CTR filing, transaction monitoring, and FDIC pass-through insurance.
Configurable lock periods with forced cooling windows on early withdrawals. Behavioral friction by design, not accident.
Immutable transaction ledger with real-time reconciliation. Every state change is logged, timestamped, and exportable for compliance.
Same-day and next-day ACH, RTP-ready architecture, and direct integration with major payroll providers for automated savings.
Visual progress rings, milestone celebrations, and behavioral nudges that reinforce your savings identity — not just a balance sheet.
The accounts are live. The math is real. The friction works.
Marcus W.
Software Engineer
$14,200 saved in 11 months
"I'd tried every budgeting app. What I needed wasn't tracking — it was real friction. MyBank made the 'right' choice the easy choice."
Priya R.
Healthcare Professional
Emergency fund: $22,000
"The 48-hour withdrawal window saved me from a $3,000 impulse purchase. I didn't need the thing — I needed time to think."
David K.
Small Business Owner
Tax reserve: $31,500
"I run payroll through MyBank's direct deposit integration. Every quarter I have exactly what I owe the IRS — automatically."
Open your MyBank account in 5 minutes. No fees, no gimmicks — just structure.
FDIC-insured deposits · 256-bit encryption · SOC 2 compliant