No hidden fees
No monthly account fee and no surprise charges buried in the fine print. What you see is the price.
Open an account in minutes, get real spend alerts the second you tap, spin up virtual cards for anything, and round up your change into savings.
The parts of a bank people actually use, rebuilt to be quick, clear, and honest about what things cost.
No monthly account fee and no surprise charges buried in the fine print. What you see is the price.
A clear notification the moment your card is used, with the merchant, the amount, and your new balance.
Create a fresh card number for a subscription or a one time buy, then pause or delete it whenever you like.
Round every purchase to the next dollar and tuck the difference into savings, quietly, in the background.
The protections you expect from a bank, stated plainly and switched on from day one.
| What matters | Arc | A legacy bank |
|---|---|---|
| Monthly account fee | None | Often charged |
| Instant spend alerts | Sometimes delayed | |
| Virtual cards | Unlimited | Rarely offered |
| Open an account | Minutes | Days, with paperwork |
| Automatic round-ups |
Your balance sits with insured partner banks and is protected up to standard limits. Access to the app is secured with encryption and sign in you control.
The everyday account has no monthly fee and no hidden charges. Any paid add on is shown clearly before you turn it on, so nothing is a surprise.
Yes. Lock the card from the app in one tap, and unlock it the same way once you find it. You can also order a replacement from the same screen.
Download the app, verify your details, and set up your account in a few minutes. Your virtual card works right away, and the physical card ships to your door.
Open your account, order your card, and start spending and saving on the same day.