Checking that doesn't nickel-and-dime you.

No monthly fees, no minimum balance, and your paycheck up to 2 days early with direct deposit.

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What you get

  • $0 monthly fee - no minimum balance, no direct deposit requirement to waive it
  • Get paid up to 2 days early with direct deposit
  • Free transfers between your Lumora accounts, instantly
  • No-fee overdraft grace - a 24 hour window to cover a shortfall before any fee applies
  • Manage everything from one dashboard - balances, transfers, and spending, all in one place

At a glance

Monthly Fee$0
Minimum Balance$0
Minimum to Open$0
Overdraft Grace Period24 hours
ATM FeesReimbursed nationwide
Open an Account
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Move money the way you need to

Transfer between your own accounts instantly, send money to another person by email or account number, or wire funds to an external bank - all from the same dashboard.

Internal Transfers Wire Transfers

Open a checking account in minutes

No paperwork, no branch visit required.

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