Bank Brighter.
Bank when you want.
Earn while you live.
A checking account that finally makes sense: 2.02% APY*, no fees, no minimums, no nonsense. Bank whenever you want and let your money do the work for you.
*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 11/3/2025.
Earn More With Truly Simple Banking
High yield shouldn’t require hacks, tasks, or minimum balances. With Brighter Checking and Radiant Savings, your money grows on autopilot—no fine print, no hoops.
2.02% APY* on Brighter Checking
3.75% APY** on Radiant Savings
No tiers. No limits. No tricks. Just more earnings, every day.
No Fees. No Minimums. No Wires. No Worries.
Most banks offset higher earnings with fees. We don’t. You’ll get:
- $0 monthly fees
- $0 domestic wire fees
- $0 minimum balance
- $0 required to open
Your money stays yours, where it belongs.
Digital-First Banking That Fits Your Life
Your bank should move at your speed. That means if you’re paying bills at 1 a.m., depositing a check on the go, or tracking your spending from your couch, your account should always be open. Your tools include:
- Mobile check deposit
- Bill pay
- Real-time alerts
- Spending insights
- 55,000+ free ATMs
Bank your way: phone, laptop, anywhere you are.
Real Human Support, Whenever You Need It
Digital banking shouldn’t feel disconnected. When questions come up, you get more than an automated response; you get a real, U.S.-based teammate who’s ready to jump in with clear, personalized support.
No scripts. No robots. Just people who care about helping you feel confident in every step of your financial journey.
*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 11/3/2025.
**Annual Percentage Yield for the Luminate Radiant Savings, 3.75% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 11/3/2025.
Luminate Bank has been phenomenal in helping us reach our business goals! From educating us on the right accounts to pulling statements for tax season...Luminate also has a great online platform and app, which is very important to us being a remote business. Thank you, Luminate!
I recently opened an account with Luminate Bank and had an incredible experience. They made the entire process quick, seamless, and completely online—which was exactly what I needed.
This is a growing tech-forward bank and mortgage lender that I have had an exceptional experience with. Their rates on bank accounts are much better than my local banks and their platform is all digital.
Luminate Bank is efficient, professional, and provides friendly customer service. The ease, confidentiality, and courtesy of setting up an account was superb.
| Feature | Brighter Checking | Radiant Savings |
|---|---|---|
| Interest Rate | 2.02% APY* | 3.75% APY** |
| Monthly Fees | $0 | $0 |
| Minimum Balance | None | None |
| ATM Access | 55,000+ Free ATMs | 55,000+ Free ATMs |
| Best For | Everyday spending & bill pay | Growing your savings faster |
*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 11/3/2025.
**Annual Percentage Yield for the Luminate Radiant Savings, 3.75% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 11/3/2025.
We Make Everyday Banking Effortless
Your checking and savings accounts shouldn’t just sit there: they should grow with you. Brighter Checking and Radiant Savings are built to earn more, keep things simple, and make your banking feel easy and intuitive.
Your money shouldn’t have to work overtime to earn more. With 2.02% APY* on checking, you get up to 28x the national average without complicated qualifiers.
Pair it with Radiant Savings at 3.50% APY** and watch your balance climb faster.
You shouldn’t have to decode whether your account is costing you money. With us, it’s crystal clear:
- No monthly service fees.
- No domestic wire fees.
- No surprise charges.
- No minimums. Ever.
Your banking should work the way you live: mobile, seamless, and stress-free. From budgeting tools to instant insights, everything is designed to help you feel confident and in control.
And if anything comes up? Our team of real people is just a tap away.
Simple. Transparent. Fair.
“Banking should lift people up, not hold them back. That’s why we created a place where people come first, money works harder, and communities grow stronger.”
— The Luminate Bank Team
