New: watch every transfer move through our live transaction monitor in real time.
What's new
Live transaction tracking
Watch transfers move through verification in real time.
Fixed deposit rates updated
18-month terms now earn 8.5% p.a.
Scheduled maintenance
Brief downtime 2–3am WAT, Sept 20.
Member-insured deposits · est. 2011
Checking, savings, and fixed deposits in one clear view — with a debit card you can freeze from your phone the instant something feels off.
No separate apps for savings and cards. Balances, transfers, and fixed deposits sit on a single dashboard.
Instant transfers, no minimum balance, and same-day payroll deposits.
Interest calculated daily and paid monthly, visible right on your dashboard.
Lock in a rate for 3–24 months and track maturity from the same screen as your checking account.
Freeze or unfreeze your debit card in one tap if it's ever lost or misplaced.
Lock your card the second it goes missing — unlock it just as fast when you find it.
Set a daily cap on your card, or turn off international and online transactions individually.
Spin up a virtual card number for online shopping, so your physical card number stays private.
The dashboard maps the closest in-network ATM so withdrawals never cost you extra.
Debit & virtual cards
Every control lives on the same screen as your balance — no separate app, no phone call to a branch, no waiting for business hours.
See card controls in the dashboardFixed deposits
Interest is fixed for the whole term — the rate you open with is the rate you're paid at maturity.
3 months
6.0%
p.a., paid at maturity
6 months
7.2%
p.a., paid at maturity
18 months
8.5%
p.a., paid at maturity
24 months
9.1%
p.a., paid at maturity
Security
Every session, transfer, and card action passes through the same checks your branch teller used to do by hand — just faster.
Every request between your device and our servers is encrypted end to end.
A one-time code on top of your password for every new device.
Unusual activity pauses the transaction and pings your phone before money moves.
Balances are covered under member deposit insurance up to the statutory limit.
White Trust Bank started as a project inside a regional bank whose customers kept asking for one thing: to see their fixed deposit maturity date without calling in. Fourteen years later, that's still the question we design around.
2.1M
accounts held
$48B
in deposits
4.8/5
customer rating
"I moved my fixed deposit here because the maturity date is actually on the dashboard instead of buried in a PDF."
— Charles., Pennsylvania
"Froze my card from a taxi at 11pm when I thought I'd lost my wallet. Took four seconds."
— JAMES., Pittsburgh
Mobile
Check balances, freeze a card, or move money to your fixed deposit from wherever you are — everything here works the same on mobile.
Total balance
$17,750.65
About six minutes online. You'll need a government ID and a means of funding the account for the initial deposit.
Yes, after the minimum hold period shown on your plan. Breaking early reduces the interest paid to the standard savings rate for the time held.
New purchases and withdrawals decline immediately. Recurring subscriptions already billed won't be interrupted. Unfreezing restores it instantly.
Yes, balances are covered under member deposit insurance up to the statutory limit per depositor.
Opening an account takes about six minutes. No paperwork mailed in.