Deposit

FDIC insured accounts designed to manage liquidity.

Modern private banking designed for you

Traditional private banks are built for financial managers. Letter is built for you, just how it should be.

Deposit photograph.

Elevate your banking experience and get more from Letter

Our checking accounts are built to manage the complexity of high net worth demands.

  • Open your Letter account online in minutes.
  • Create additional checking accounts with one tap.
  • Instantly move money between your Letter accounts.
  • Send one-time or recurring payments to external accounts.
  • Automatically sweep unused balances to interest bearing accounts.
  • Open your Letter account online in minutes.
  • Create additional checking accounts with one tap.
  • Instantly move money between your Letter accounts.
  • Send one-time or recurring payments to external accounts.
  • Automatically sweep unused balances to interest bearing accounts.

Crafted without compromise

We've designed and built our stainless steel card to be the best card you'll ever use.

  • Solid stainless steel body.
  • NFC chip for contactless payments.
  • Durable white industrial coating.
  • Precisely engraved.
  • Full card number hidden for security.

Contactless payments

Activate and pay with NFC chip technology. No touching required.

Apple Pay + Google Pay

Quick and easy payments, without pulling your card from your wallet.

Physical payments

The Letter card works at terminals that only support swiping or dipping.

Bring the whole crew.

Manage all of your people in one place

  • Create unlimited accounts Open one account for your family, one for your trust, and another for your business.
  • Invite others to join Your accountant, partner, and wealth manager can all get involved.
  • Set unique permissions for everyone Control the level of access each person has in all of your accounts.
  • Personalized card limits Give each person a card with unique spending limits defined by you.
  • Manage separate accounts Easily switch between your personal and business accounts with just a tap.

Family

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Photograph of a customer.

Office

  • Photograph of a Family member.
  • Photograph of a Family member.
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All the features you’d expect, with none of the fees.

  • No maintenance fees
  • No minimum balance fees1
  • No transfer fees
  • No overdraft fees
  • No in-network ATM fees

Fast, secure wires.

Move your money on your own terms, no bank branch visit necessary.

  • No hard limit on dollar amount for outbound wires
  • Confirm your identity with a quick face scan, not a branch visit
  • Free wires with Premium accounts
  • We take convenience just as seriously as security
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Seriously secure

Face scan technology

A quick face scan and liveliness check ensure you’re in control of your account when performing critical operations and moving large amounts of money.

Multi-Factor Authentication

All accounts are secured with MFA to further protect access to your wealth.

FDIC Insured deposits

Every Letter deposit account is FDIC insured up to $250,000.

Sensitive details kept safe

The full account number, expiration, and CVV on the Letter card are hidden for increased security.

Your banking experience, reimagined

A card for everyone

Give every member of your family and staff personalized cards, each with their own spending limits.

Virtual cards

Your full debit card, but without the metal. Use your virtual card wherever debit cards are accepted—you can even add it to Apple Pay and Google Pay.

Invite your crew

Add members and assign them custom access levels to your Letter accounts.

Multiple checking accounts

Quickly create as many FDIC insured checking accounts as you need to run your day to day.

Effortlessly transfer money

Send and receive ACH and wires through the app with just a tap.

Easy account management

Manage everything from the Letter app or website. No branch visits required.

Activity notifications

Keep track of your account activity with configurable real-time notifications.

One-tap card locking

Freeze and reactivate any of your Letter cards directly within the app.

Set your limits

Every Letter card, virtual or physical, has a configurable limit, protecting your account balance.

Start banking with Letter

We’re actively opening accounts, so get on our waitlist to reserve a spot!

Join Letter

Invest

Crypto, equities, structured notes and more.

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Borrow

Never apply for capital again.

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Office

Insightful and actionable financial guidance.

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Marketplace

Originate and participate in curated deals.

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Lend

Automate lending your own capital.

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Guides

We’re here for you.

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