No hidden fees
No monthly account fee and no surprise charges buried in the fine print. What you see is the price.
A card and a money app in one
One card. Every way you spend and save.
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.
What you get
Everyday money, without the friction.
The parts of a bank people actually use, rebuilt to be quick, clear, and honest about what things cost.
Instant spend alerts
A clear notification the moment your card is used, with the merchant, the amount, and your new balance.
Virtual cards
Create a fresh card number for a subscription or a one time buy, then pause or delete it whenever you like.
Automatic round-ups
Round every purchase to the next dollar and tuck the difference into savings, quietly, in the background.
Built to be safe
Your money, kept in careful hands.
The protections you expect from a bank, stated plainly and switched on from day one.
Insured deposits
Balances are held with insured partner banks, protected up to standard limits.
Bank grade encryption
Your data is encrypted in transit and at rest, with sign in you control.
Freeze in a tap
Misplaced your card? Lock it instantly from the app, then unlock it just as fast.
How it compares
The same account, minus the drag.
| 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 |
FAQ
Fair questions, plain answers.
01Is my money safe with Arc?
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.
02What does it cost to use?
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.
03Can I freeze my card if I lose it?
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.
04How do I get started?
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.
Ready when you are
Money that keeps up with your day.
Open your account, order your card, and start spending and saving on the same day.