Personal & business banking

Your money,
held in motion.

PaynexFinance gives every dollar a place to stand — accounts, cards, and transfers that respond the instant you do. No branches. No queues. No waiting three days to know where you stand.

Open an account — free See how it works ↓

FDIC insured to $250,000 · No monthly fees · 256-bit encryption

PaynexFinance

5412 88•• •••• 0142

BUSINESS DEBIT 09/29

PaynexFinance

4791 22•• •••• 9038

SAVINGS 03/28

PaynexFinance

8823 15•• •••• 7701

EVERYDAY 11/30

Total balance $0.00

↑ Payroll deposited

Rent −$1,450

Built on the same rails as

VISAACHSWIFTPlaidFDIC

What you get

Three accounts.
One clear picture.

Everyday

Spend, swipe, and tap with a debit card that settles in real time. See every purchase the second it happens.

Savings

4.10% APY, paid monthly, on every dollar above zero. Round up purchases automatically to grow it without thinking.

Business

Invoicing, payroll, and tax set-asides in one ledger. Built for the business that pays people, not just bills.

Checking $4,228

Savings $11,940

Move money

Transfers that land
before you blink.

Move between your own accounts instantly, every time. Send to another bank and it clears same-day — no three-to-five-business-days disclaimer in sight.

Instant transfers between PaynexFinance accounts
Same-day ACH to any U.S. bank, no fee
Scheduled and recurring transfers, set once

Cards

A card that adapts
to how you live.

PaynexFinance

8823 15•• •••• 7701

A. OKONKWO 11/30

Freeze

Lock your card from the app the moment it goes missing. Unlock just as fast when it turns up.

Limits

Set spending caps by category — dining, travel, subscriptions — and adjust them on the fly.

Virtual

Spin up a virtual card for any subscription, gone the moment you cancel it.

Security

Held to a higher standard than it has to be.

Every account is FDIC-insured up to $250,000. Every login is checked against device, location, and behavior — not just a password. Every dollar moved is logged, traceable, and reversible if something looks wrong.

256-bitencryption at rest & in transit

24/7fraud monitoring

2FAon every device sign-in

Credit Card