Every dollar,
itemized
not just deposited.
Ledgermark shows you the story behind your balance — every transaction dated, categorized, and reconciled in plain language, the moment it happens.
Three accounts, one ledger.
Everyday Checking
No minimums, no monthly fee, and a debit card that locks instantly from your phone.
Open checking →Rainy Day Savings
4.10% APY* with automatic round-ups, so saving happens in the background.
Open savings →Signature Card
A credit card that categorizes spend in real time and pays you back 2% on essentials.
Explore the card →Open an account before your coffee gets cold.
Verify your identity
A photo ID and a few details — encrypted end-to-end, never sold or shared for marketing.
Fund your account
Link an existing bank, transfer a balance, or deposit a check with your camera.
Watch the ledger update
Every transaction is itemized and categorized the moment it clears — no surprises at month end.
Protected the way a vault is, not the way a website is.
256-bit encryption, biometric sign-in, and a $0 liability guarantee on unauthorized transactions. Every account is FDIC-insured through our partner bank, up to the maximum allowed by law.
Read our security practices →256-bit encryption
In transit and at rest, on every request.
Biometric sign-in
Face and fingerprint unlock on supported devices.
$0 fraud liability
Unauthorized transactions, fully covered.
FDIC-insured*
Deposits insured up to the legal maximum.
Ready to see your money in plain language?
Opening an account takes about two minutes. No paperwork, no branch visit.
Open an account