Everyday
Checking & Savings
No monthly fee, no overdraft fee. Savings at 4.35% APY, stated everywhere the balance is.
Enroll Member FDIC
A 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
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 amortisation, 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 investing
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.