Everyday
Checking & Savings
No monthly fee, no overdraft fee. Savings at 4.35% APY, stated everywhere the balance is.
Enroll
Member FDICA bank that shows its working.
Every fee, every hold, every rate, stated before it happens, not after. Enroll in minutes and see exactly where your money stands.
Deposits insured to $250,000 per depositor. No monthly fees, ever.
0.00%
Savings APY, stated everywhere
$0
Monthly and overdraft fees
0+
Fee-free ATMs nationwide
24/7
A person answers the phone
4.35%
High-Yield Savings APY
0.10%
Everyday Checking APY
The range
Find the right account as your needs change.
Credit
Signature Card
Every fee named on one page. Freeze it in a tap, with controls that decline at the terminal.
Explore the cardMortgage
Home Loans
A mortgage that shows the amortization, not just the payment. Specialists from application to closing.
See ratesLending
Auto Loans
Finance a car at a rate you can check against the market, with the total cost stated up front.
Get startedBusiness
Small Business
Checking, cards and lending for the business, with the same plain terms, at the scale you need.
Explore businessWealth
Investing
Grow what you keep, with guidance and advice when you want it. Held separately from your deposits.
Start investingThe difference
The fees we removed, side by side.
| What you pay | Halden | Typical big bank |
|---|---|---|
| Monthly maintenance fee | $0 | $12-$25 |
| Overdraft fee | $0 | $35 each |
| Minimum balance to avoid fees | $0 | $500-$1,500 |
| Out-of-network ATM fee | $0 | $2.50-$5 |
| Foreign transaction fee | $0 | 3% |
| Incoming domestic wire | $0 | $15 |
| Savings APY | 4.35% | 0.01% |
“Typical big bank” figures are representative industry ranges for comparison, not a specific competitor. See Halden’s full fee schedule and rates.
Digital banking
Everything your accounts need, in one place.
Instant transfersMove money between your accounts or to another Halden customer, with the recipient name confirmed before you send.
Mobile check depositDeposit a check from your phone in a guided, full-screen capture. Track the hold and availability date.
Statements & tax formsMonthly statements and year-end 1099s, viewable, downloadable and printable whenever you need them.
Real-time alertsKnow the moment money moves, deposits, transfers, low balance and every sign-in to your account.
Card controlsFreeze a card, set spending and ATM limits, and manage a virtual card, all from the app.
Account controlsOverdraft preferences, trusted devices, active sessions and beneficiaries, managed by you.
For business
Banking built for how a company operates.
Open a business account with the same clarity, then add your team, set who can create and who must approve payments, and see every action in one activity log.
Included
Approvals, roles and controls.
Maker-checker approvals on paymentsRoles: owner, approver, accountant, viewerBusiness checking & savingsTeam access without shared loginsConsolidated statements & activity
Security & fraud protection
Your money, watched over, quietly.
Secure sign-onEncrypted sessions, device recognition, and sign-out everywhere in one tap.
Security alertsEvery new-device sign-in and sensitive change is flagged to you immediately.
Fraud monitoringTransfers and deposits are reviewed before funds are released, a hold, not a surprise.
FDIC insuredDeposits are insured to $250,000 per depositor, per ownership category.
Halden will never call, text or email asking for your password or a verification code. Learn how we protect you.
Why Halden
Plain terms, and a person on the other end.
We built Halden on one rule: state the cost before it happens. No surprise fees, no buried rates, no phone tree that never reaches a human.
Every fee on one pageNot a footnote, not a disclosure buried on page 40.
Freeze a card in one tapBlocked at the terminal, not clawed back afterwards.
A number a person answers1-800-555-0177, day or night, under two minutes.
Enroll in about five minutes.
All you need is a photo ID and a few details. No paperwork, no branch visit.