Demand Accounts
Explore our versatile Demand Accounts designed to meet your everyday banking needs. From easy fee waivers to quick onboarding, discover the convenience and flexibility of banking with us.
The Vault Debit Card
Free
With any
Demand Account
Tap to Pay
Contactless payments
Customizable
Limits and protections
Unlock Key Benefits
Discover the convenience and security of Demand Accounts, designed to streamline your banking experience.
Fee Waiver
Avoid monthly maintenance fees by setting up a direct deposit or maintaining a daily balance of $2,500.
FDIC Insured
All deposits made with us are protected by FDIC insurance, up to $250,000 per depositor.1
Tap to Pay
Upload your debit card to your digital wallet and make payments with your phone or smartwatch.
Overdraft Protection
Low account balance? Avoid unexpected fees with our reliable overdraft safeguards.
Coming Soon!
Visa® Fraud Features
Enhanced Visa fraud protection: Safeguard your transactions with advanced security measures and real-time monitoring.
Joint Accounts
Open an account with a spouse or partner and easily share your finances.
Coming Soon!
All Your Accounts, Connected
Say goodbye to the hassle of managing multiple accounts across various platforms. With our Linked Accounts feature, you can effortlessly consolidate all your financial holdings in one convenient location. Seamlessly connect external bank accounts to gain a comprehensive view of your finances and streamline your money management.
Comprehensive Financial Overview: Instantly access and monitor all your accounts, including savings, checking, and investment accounts in one centralized dashboard.
Simplified Transfers: Effortlessly transfer funds between your linked accounts with just a few clicks, making it easier than ever to move money where you need it.
Enhanced Financial Planning: Gain valuable insights into your spending habits and financial trends by analyzing transactions across all your linked accounts, empowering you to make informed decisions and achieve your financial goals.
Bank From Anywhere
Enjoy the convenience of banking on-the-go with our mobile app. Link your debit card with Google Wallet™ and Apple Pay®, move money securely, receive instant notifications, and send money instantaneously.
Bank on Your Terms
Bank anytime, anywhere with our flexible mobile app, empowering you to manage your finances on your terms effortlessly.
Apple Pay and Google Wallet
Link your debit card to Apple Pay and Google Wallet for convenient and secure mobile payments wherever you go.
Instant Account Notifications
Stay informed with instant account notifications, providing real-time updates on your transactions and account activity for peace of mind.
Send and Receive Payments
Send and receive payments seamlessly with our mobile app, ensuring swift and secure transactions anytime, anywhere.
Ready to get started?
Open a Demand Account today and experience the difference of banking with Vault.Bank.
FAQs
Find answers to common questions about Demand Accounts.
You will be mailed a debit card within 3-5 days of opening a Vault.Bank account.
A Demand Account is just another name for a checking account - an account that allows you access to your money without advance notice. Demand Accounts can be used for everyday spending, paying bills, making purchases with a linked Debit Card, withdrawing cash at ATMs, etc.
You can dispute a transaction by contacting your customer service representative.
Unfortunately, you cannot. If your account is frozen, we will not allow you to open a new account. This is to prevent that account from potentially being compromised as well.