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Personal banking
Personal Banking Solutions

Banking Built Around You

Discover checking accounts, high-yield savings, and powerful digital tools designed to simplify your financial life and help you reach your goals faster.

No Monthly Fees
FDIC Insured
24/7 Support
Open Account in Minutes Explore Products
$200
Sign-up Bonus*
4.85%
APY on Savings
$0
Monthly Fees
Our Products

Find Your Perfect Account

Whether you're looking to save, spend, or grow your money, we have an account designed for you.

Popular

Essential Checking

Perfect for everyday banking with no hidden fees and full digital access.

No monthly maintenance fees
No minimum balance required
Free debit card & mobile app
55,000+ fee-free ATMs
$0 /month
Open Account
Best Value

Premium Checking

Elevate your banking with premium perks and earn interest on your balance.

Earn 1.25% APY on balance
All Essential features included
Free incoming wires
Priority customer support
ATM fee rebates worldwide
$12 /month Waived w/ $500+
Open Account
For Students

Student Checking

Start your financial journey with an account designed for students aged 16-24.

No fees until age 25
Free overdraft protection
Financial literacy resources
Mobile deposit & app access
$0 /month
Open Account
Top Rate

High-Yield Savings

Grow your money faster with one of the highest savings rates available.

4.85%
Annual Percentage Yield
No minimum balance
Interest compounded daily
FDIC insured up to $250K
Automatic savings tools
Start Saving Today

Standard Savings

A flexible savings account with no minimum balance and easy access to your funds.

2.15%
Annual Percentage Yield
No minimum balance
Unlimited withdrawals
Link to checking account
FDIC insured up to $250K
Open Savings
Premium

Money Market Account

Earn higher rates with check-writing privileges for larger balances.

4.25%
Annual Percentage Yield
$1,000 minimum to open
Check writing privileges
Debit card access
FDIC insured up to $250K
Open Account
Short Term

6-Month CD

A short-term certificate of deposit with a competitive fixed rate.

4.50%
APY
$1,000 minimum deposit
Fixed rate guaranteed
FDIC insured
Open CD
Best Rate

12-Month CD

Our most popular CD term with our highest fixed rate.

5.10%
APY
$1,000 minimum deposit
Fixed rate guaranteed
Interest compounded monthly
FDIC insured
Open CD
Long Term

24-Month CD

Lock in a high rate for two years and maximize your returns.

5.00%
APY
$1,000 minimum deposit
Fixed rate guaranteed
FDIC insured
Open CD
Fast Credit
•••• 4529
VISA CLASSIC

Visa Classic Debit

A no-fee debit card with cashback rewards on everyday purchases.

1% cashback on all purchases
No annual fee
Contactless payments
Zero liability protection
Get Your Card
Fast Credit
•••• 8842
VISA PLATINUM

Visa Platinum Rewards

Premium rewards and travel benefits for frequent spenders.

3x points on dining & travel
No foreign transaction fees
Airport lounge access
Travel insurance included
Concierge service
Apply Now
Fast Credit
•••• 0091
VISA SIGNATURE

Visa Signature Infinite

Our most exclusive card with unparalleled rewards and benefits.

5x points on all purchases
No foreign transaction fees
Unlimited airport lounge access
$300 annual travel credit
Dedicated concierge team
Request Invitation
Compare

Find the Right Fit for You

Compare our most popular checking accounts side by side to find your perfect match.

Feature
Essential
Premium Recommended
Student
Monthly Fee $0 $12 $0
Interest on Balance 1.25% APY
Minimum Balance $0 $500 (fee waiver) $0
ATM Fee Rebates
Free Incoming Wires
Overdraft Protection
Mobile Deposit
Priority Support
Choose Choose Choose
Mobile Banking

Your Bank in Your Pocket

Manage your money anytime, anywhere with our award-winning mobile app. From depositing checks to transferring funds, everything you need is just a tap away.

Mobile Deposit
Snap & deposit checks instantly
Real-time Alerts
Get notified instantly
Budget Tools
Track spending by category
Zelle® Payments
Send money in seconds
Download on the
App Store
Get it on
Google Play
4.9 • 125K+ reviews
9:41
Good morning
Sarah Johnson
Total Balance
$24,847.32
+$1,250 this month
Send
Receive
Top Up
More
Recent See all
Starbucks Coffee
Today, 8:45 AM
-$5.80
Salary Deposit
Yesterday
+$3,250
Amazon Purchase
2 days ago
-$42.99
Deposit Cleared
$1,250.00
2FA Enabled
Account secured
Why Choose Us

Benefits That Matter

Every account comes with features designed to make your banking experience simpler, safer, and more rewarding.

Bank-Grade Security

256-bit encryption, biometric authentication, and real-time fraud monitoring protect your money 24/7.

Instant Transfers

Send and receive money in seconds with Zelle®, ACH, and wire transfers — all fee-free.

24/7 Support

Speak with real humans whenever you need help — by phone, chat, or email, day or night.

No Hidden Fees

Transparent pricing with no surprises. No overdraft fees, no ATM fees, no monthly fees.

Award-Winning App

Manage everything from our 4.9-star rated mobile app — deposit checks, pay bills, and more.

FDIC Insured

Your deposits are protected up to $250,000 per depositor, per account ownership category.

How It Works

Open Your Account in 3 Easy Steps

Getting started with Fast Credit is quick, easy, and completely online. You'll be banking in minutes.

1

Fill Out Application

Complete our simple online form in about 5 minutes. Just basic info about you and your goals.

2

Verify Your Identity

Upload a government-issued ID and a selfie. Verification usually takes just a few minutes.

3

Fund & Start Banking

Make your first deposit and start enjoying all the benefits of your new Fast Credit account.

Open Your Account Now

Your information is encrypted and secure

FAQ

Frequently Asked Questions

Everything you need to know about personal banking with Fast Credit.

Opening an account takes just a few minutes online. Simply click "Open Account," fill out the application with your basic information, verify your identity with a government-issued ID and a selfie, and make an initial deposit of at least $25. Your account will be ready to use immediately after verification.
Our Essential Checking and Student Checking accounts have no monthly fees. Premium Checking has a $12 monthly fee that is waived when you maintain a balance of $500 or receive $1,000 in direct deposits each month. There are no hidden fees, no overdraft fees, and no ATM fees within our network.
Yes, absolutely. Fast Credit is a member of the FDIC, which insures deposits up to $250,000 per depositor, per account ownership category. We also use bank-grade 256-bit encryption, biometric authentication, and 24/7 fraud monitoring to protect your account from unauthorized access.
To earn the $200 bonus, open a new Premium Checking account, receive at least $1,000 in qualifying direct deposits within 60 days of account opening, and maintain a minimum balance of $500. The bonus will be credited to your account within 90 days. Full terms and conditions apply.
Yes! Our mobile app and online banking work anywhere in the world with an internet connection. Your debit card is accepted at millions of locations globally, and Premium Checking members enjoy unlimited ATM fee rebates worldwide. No foreign transaction fees on any of our cards.
Most accounts are opened within 10 minutes. The application itself takes about 5 minutes to complete. Identity verification typically takes just a few minutes if all your information is correct. In some cases, additional verification may be required, which can take up to 1-2 business days.

Still have questions?

Contact Our Support Team

Ready to Experience Better Banking?

Join 50,000+ members who trust Fast Credit with their financial future. Open your account in minutes.

Open Your Account Speak with an Advisor
No monthly fees
FDIC insured
24/7 support