Ditch the fees. Earn more. Bank Brighter.

Earn up to 28x more than the national average with our Brighter Checking Account. No fees, no fluff, just smarter checking that puts you in control.

4.8/5 Customer Rating

FDIC Insured

Banking That Puts You First

FDIC insurance up to $250,000 per account ownership category.

Earn 2.02% APY* or

4.07% APY** on Your Accounts

Your everyday money shouldn’t sit idle. With Brighter Checking and Radiant Savings you can grow your balance just by using your account like normal.

No Monthly Fees, No Minimums, No Wire Fees

We believe banking should be simple and stress-free. That’s why we’ve eliminated the common fees most banks still charge.

Smart, Secure Mobile Banking Tools

Easily manage your money on the go with mobile check deposit, bill pay, and spending insights, all from one secure app.

Real Human Support, Whenever You Need It

Need help? Our friendly, U.S.-based team is here to assist with real answers from real people, not scripts or chatbots.

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* 4.07% 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 4/14/2025.


**Annual Percentage Yield for the Luminate Radiant Savings, 4.07% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.

We Make Everyday Banking Effortless

At Luminate Bank, we’re redefining what your bank accounts should do for you. Our Brighter Checking and Radiant Savings accounts aren't just fee-free, but also a smarter, high-earning account designed for real life and real people.

Your money deserves better than the national average. With Brighter Checking, you can earn up to 28x more than the national bank average with 2.02% APY* on your balance. No gimmicks or lockups.


Pair with Radiant Savings and watch your money grow even faster with a  4.07% APY**.

We're committed to transparency and value. That means:

  • $0 monthly service fees
  • $0 domestic wire fees
  • $0 transaction or maintenance charges
  • $0 required to open

From mobile check deposit to budgeting tools and 55,000+ Free ATMs, our platform makes managing money seamless. And when you need help? Our team of real people is just a tap away.

What We Believe

“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

Ready to bank brighter?

Let’s get started.

Contact Us