Checking
Checking that works as hard as you do.
No monthly fees, no minimum balance, and money that moves the moment you need it to.
Everything your money needs, built in.
Multi-currency accounts, one dashboard
Hold and track balances across currencies from a single view, with your spending and account activity summarized at a glance.
- Live balance overview
- Multiple currency accounts
- Spending insights
Checking
USD Account
Euro Account
EUR Account
Savings
GBP Account
Checking
USD Account
Euro Account
EUR Account
Savings
GBP Account
Multi-currency accounts, one dashboard
Hold and track balances across currencies from a single view, with your spending and account activity summarized at a glance.
- Live balance overview
- Multiple currency accounts
- Spending insights
Checking
$24,580
Savings
$5,000
Move money in seconds
Send funds between your own accounts or out to someone else, with transfers that land fast and a clear record of every transaction.
- Instant internal transfers
- Simple recipient flow
- Full transaction history
Electricity
Paid
Internet
Paid
Water
Due soon
Every bill, one place
Pay electricity, internet, phone, insurance, and more without leaving the app. Set it up once and stay on top of due dates.
- Electricity, water, internet & more
- Organized by category
- Payment history at a glance
Budgets that keep you on track
Set spending limits by category and watch your progress in real time, so surprises at the end of the month become rare.
- Category-based budgets
- Progress tracking
- Spend alerts as you go
Coverage on your balance
$740,000
Optional balance insurance
Add Standard or Premium coverage on the funds in your account, quoted instantly and managed right from your dashboard.
- Instant quotes
- Standard or Premium tiers
- Manage coverage anytime
Built for how you actually bank
No monthly fees, ever
No minimum balance, no maintenance charges, and no fee to open your account.
Instant transfers
Move money between accounts or send it out to friends and family in seconds.
Mobile check deposit
Snap a photo of a check and deposit it from wherever you are, no branch visit needed.
Freeze your card in one tap
Lost it? Lock it from the app before you've even hung up the phone.
Get paid up to 2 days early
Set up direct deposit and access your paycheck as soon as your employer sends it.
Fee-free ATM network
Withdraw cash at thousands of in-network ATMs nationwide with no surcharge.
No fine print. No hidden fees.
We built our checking account around a simple rule: if it costs you money to bank with us, we tell you upfront. Here's everything we don't charge for.
Open a Checking AccountMonthly maintenance fee
$0Minimum opening deposit
$0Minimum balance requirement
$0In-network ATM withdrawals
$0Mobile check deposit
$0Debit card replacement
$0Open your account in three steps
Apply online
Tell us a bit about yourself. Most applications take less than five minutes.
Get verified
We confirm your identity instantly, no paperwork or branch visit required.
Start banking
Fund your account and start spending, saving, and transferring right away.
Common questions
Begin your journey with Oakley Trust
Open your account in minutes. No monthly fees, no minimum balance just the quiet confidence of private banking, accessible to all.