Total Balance
$0
Transfer
Cards
Pay Bills
FDIC Insured
Up to $250,000
High-Yield Savings
4.50% APY
$0.0B+
Assets Under Management
0K+
Account Holders
$0.0B
Annual Transaction Volume
0
Countries Served
Choose the right account for you
Whether you're saving for the future or managing everyday expenses, we have an account designed for your needs.
Competitive Rates
Rates that work for you
Earn more on your savings and borrow with confidence. All rates are reviewed weekly to stay competitive.
Savings & Money Market
FDIC insured · No hidden fees
High-Yield Savings
No minimum balance · Min $0
4.50%
APY
Money Market Account
Check-writing privileges · Min $2,500
4.25%
APY
Certificate of Deposit (CD)
Fixed rates · Flexible terms
6-Month CD
5.00%
APY · Min $1,000
12-Month CD
4.75%
APY · Min $1,000
36-Month CD
4.50%
APY · Min $1,000
60-Month CD
4.25%
APY · Min $1,000
Loan Rates (APR)
Subject to credit approval
Personal Loans
from 8.99%
Mortgage (30-yr Fixed)
from 6.25%
Auto Loans
from 6.49%
* Annual Percentage Yield (APY) and Annual Percentage Rate (APR) are effective as of July 2026 and are subject to change without notice. Fees may reduce earnings. Penalties may apply for early CD withdrawal.
Our Products
Everything you need in one bank
From everyday checking to home loans and instant payments — all your financial needs under one roof.
How It Works
Get started in three steps
No paperwork, no branch visits. Open your account online and start banking within minutes.
Open Your Account
Apply online in under 5 minutes. Verify your identity with a government-issued ID — no branch visit required.
Fund Your Account
Link an external account via ACH or receive a wire transfer. Start banking immediately once funded.
Bank with Confidence
Send money, pay bills, request cards, and apply for loans — all from your online banking dashboard.
Security & Compliance
Your money is safe with us
UBANLC Limited is a Delaware-incorporated, FinCEN-registered Money Services Business operating under full BSA/AML compliance. We employ bank-grade encryption, multi-factor authentication, and continuous fraud monitoring to protect your funds and identity.
FDIC Coverage
Deposits insured up to $250,000 through our partner banking network.
Equal Housing Lender
Committed to fair and equal access to credit for all qualified applicants.
Global Reach
Send and receive payments across 42 countries and 18 currencies.
24/7 Support
Round-the-clock customer support with real representatives, not bots.
Why UBANLC
Built for the way you bank today
We combine the security of a traditional bank with the speed and convenience of modern fintech.
FDIC Insured
Your deposits are protected up to $250,000 through our partner banking network.
Instant Transfers
Move money in seconds with FedNow instant payments — 24/7, 365 days a year.
Bank-Grade Security
256-bit AES encryption, multi-factor authentication, and real-time fraud monitoring.
24/7 Human Support
Talk to real representatives anytime — no bots, no hold music, no runaround.
High-Yield Savings
Earn 4.50% APY on your savings — significantly higher than the national average.
Nationwide Access
Bank from anywhere in the US with our mobile app and online banking platform.
Testimonials
Trusted by thousands of customers
From individuals to growing businesses, our customers rely on UBANLC for their everyday banking needs.
"UBANLC simplified our business banking. The multi-rail payments and instant transfers save us hours every week. Best decision we made for our company."
James Whitfield
Small Business Owner
"I opened my checking and savings accounts in minutes, got a virtual debit card instantly, and was sending payments the same day. The mobile experience is excellent."
Maria Chen
Freelance Designer
"The wire transfer and FedNow instant payment options let me pay vendors and contractors without delays. Customer support is responsive and knowledgeable."
Robert Okafor
E-commerce Entrepreneur
FAQ
Questions? We've got answers
Everything you need to know about banking with UBANLC Limited.