Banking, upgraded
Open an account in minutes. Track spending. No monthly fee, no overdraft fee, no minimum balance.
nxoras is a financial technology company, not a bank. The nxoras Visa® Debit Card is issued by our partner bank pursuant to a license from Visa U.S.A. Inc.
Available Balance
$4,286.17
Recent
Three steps from download to your first transfer.
Apply online with your name, date of birth, address, and SSN. Federal law (USA PATRIOT Act) requires identity verification at account opening.
Receive a virtual debit card instantly for online purchases. Your physical Visa® debit card arrives in 5–7 business days.
Set up direct deposit, send and receive payments, and track spending — all from one app, available on iOS and Android.
Fast payments, smart insights, and simple fees.
See trends by category and stay on budget automatically.
Create one-time cards for safer online purchases.
Real-time alerts, card freeze, and biometric login.
Use your card worldwide with fair, transparent pricing.
Create an account in minutes—no branch visit required.
BUILT ON REGULATED INFRASTRUCTURE
nxoras is a financial technology company. Your deposit account is held at our partner bank, which is the bank of record for your funds and card transactions. We provide the technology layer — the app, the dashboard, the alerts, the tools. The regulated banking services underneath are provided by a chartered bank, subject to federal supervision.
Banking partner
Partner bank1
Card issuer
Member Visa® U.S.A. Inc.
1 The name of our banking partner will be displayed here once our partnership is finalized.
We use encryption in transit and at rest, device binding, and advanced fraud detection.
TLS 1.3
Encryption in transit
$0
Monthly fee
No. nxoras is a financial technology company, not a bank. We provide a digital interface and account-management tools, while banking services — including the deposit account itself — are provided by our partner bank.
Customer deposits are held at our partner bank, which is the bank of record for your account. nxoras never takes custody of customer funds.
Because our partner bank holds your deposits, your money would remain at the partner bank and you would retain access in accordance with applicable federal procedures.
Federal law (the USA PATRIOT Act) requires every financial institution to obtain, verify, and record information that identifies each person who opens an account. When you apply, we collect your legal name, date of birth, residential address, and taxpayer identification number, and verify them through documentary and non-documentary methods.
nxoras earns revenue primarily through interchange — the fees merchants pay when a customer uses their nxoras debit card — as well as a share of interest earned on deposits held at our partner bank. We do not sell customer data and we do not charge monthly account fees.
Our standard checking account has no monthly fee, no minimum balance, and no overdraft fee. Some services (such as out-of-network ATM withdrawals or expedited card replacement) carry fees as disclosed in the Fee Schedule, which will be made available before account opening.
If you believe a transaction on your account is unauthorized or in error, file a dispute through the in-app dispute flow or contact customer service. Disputes are handled under the federal Electronic Fund Transfer Act (Regulation E) — including investigation timelines, provisional credit where required, and final resolution.
Customer data is encrypted in transit using TLS 1.3 and at rest using AES-256. Access to production systems is governed by role-based access controls and multi-factor authentication. We are pursuing SOC 2 Type II attestation. Our information practices comply with the Gramm-Leach-Bliley Act (GLBA), Regulation P, and applicable state privacy laws.
You can close your nxoras account at any time from the app, or by contacting customer service. Any remaining balance will be returned to you in accordance with the procedures described in your Cardholder Agreement.