We didn't build another budgeting app. We built financial infrastructure designed around the actual psychology of saving — and spending.
$2,840
Freely accessible · Debit card enabled
$14,200
Earning 4.85% APY · Time-locked
Both balances live in a single double-entry ledger. Every movement generates an immutable journal entry with ledger reference ID, timestamp, and before/after state. No transaction can be altered post-commit.
Two buckets. One account. Total clarity.
Every MyBank account operates on a double-entry ledger with two real sub-balances:
Available Balance — Your everyday spending money. No friction. Debit card, ACH, bill pay — it all comes from here.
Committed Balance — Your future self's money. Time-locked, earning APY, and protected from impulse by design.
When you deposit funds, they land in Available. When you create a savings goal, you intentionally move funds to Committed. The ledger records every state transition with an immutable journal entry, timestamped and write-protected.
Set the lock. Trust the system.
When you create a goal, you choose a target date. That date becomes the earliest no-friction release of your committed funds.
Before that date, you can still withdraw — but the system inserts a mandatory 48-hour cooling window. During that window, the request is logged, you receive a summary of how the withdrawal affects your goal, and you have the option to cancel.
This isn't a lock you can't break. It's a pause you can't skip. Research on behavioral economics shows that a forced delay eliminates the majority of impulse-driven financial decisions.
Every dollar, every move, forever.
Every transaction in MyBank generates two immutable ledger records: a debit and a credit. This is standard double-entry accounting, applied to behavioral savings.
The audit log is append-only. Records cannot be modified, deleted, or backdated. Each entry carries a ledger reference ID, transaction ID, timestamp, account state before and after, and a compliance flag if applicable.
This infrastructure is designed for the moment you need to prove your financial history to a bank, regulator, or auditor.
Same-day in. Friction on the way out.
MyBank integrates directly with the ACH network for deposits, withdrawals, and transfers. We support:
• Direct deposit: Route your paycheck (or a portion of it) directly to MyBank. We auto-split into Available and Committed based on your saved rules.
• Pull transfers: Link an external account and pull funds in. Standard ACH (1–2 days) or Same-Day ACH available.
• RTP-ready: Our infrastructure is Real-Time Payments compatible for eligible transactions.
• Payroll integrations: Works with ADP, Gusto, Paychex for automatic savings rules at the source.
When you request an early withdrawal from committed funds, we don't say no. We say: come back in 48 hours. Most people don't.
T+0h
Request submitted
T+0–48h
Review window
T+48h
Funds released
You can cancel the request any time during the cooling window. No penalty. No judgment.
No — it's committed, not locked. You can always request an early withdrawal. The difference is the 48-hour cooling period, which creates intentional friction without creating a legal lock.
Submit an early withdrawal request. Funds typically process within 48 hours. For true life emergencies (documented medical, legal, or natural disaster), our support team can expedite within 2 hours.
Deposits are held at our FDIC-insured sponsor bank partner. Your funds are insured up to $250,000 per depositor. MyBank is the platform layer; your money lives at a regulated institution.
Committed balance earns up to 4.85% APY, calculated daily and credited monthly. Available balance earns standard market rate. APY is variable and can change; we notify you 30 days before any rate changes.
Yes — unlimited goals, each with its own lock date, contribution schedule, and target amount. Each goal is a separate commitment within your Committed Balance.