Let’s build a Community-First FinTech to improve our Financial Health TOGETHER!
OurBanc is afinancial technologycompany built with today's economy and our dynamic society in mind. We recognize that many people in this country arefinancially unhealthy,with the highest concentration inAfrican Americans,Hispanics,andIndigenous communities— Together, we can change that!
OurBanc isre-engineeringmobile banking to better serve historically disenfranchised communities.
Our Values
OurBanc emphasizes the importance ofTRUSTthrough ourCOMMUNITYand mission-aligned allies. Our customers benefit from enhancedTRANSPARENCYthrough our comprehensive approach to incorporatingFINANCIAL LITERACYand awareness into the mobile banking experience.
Trust
Community and mission-aligned allies
Literacy
Personalized financial education
Our Mission
OurBanc’s mission is to do our part in dismantling the systematic barriers that exist within America's financial system by channeling the transformative power ofpurpose,community,andinnovative technologyto providehistorically disenfranchised peoplewith more transparent and equitable financial products and services.
Our Features & Our Focus
High Level Security
Deposits are FDIC insured up to $250,000 per account and we have Platform Banking regulation encrypted security.
Data Driven
Data - drivenandAI - enabled personalized insightshelps protect, guide, and inform our customers to encouragepositivefinancial behaviors.
+ Benefits
Remote deposit, online savings and checking accounts with no minimum balances or overdraft fees, a vast ATM network, early pay access, fairer lending rates, and access tofinancial literacy.
Best in Class
Remote check deposit
Digital accounts
No minimum balances
No monthly maintenance fees
No overdraft fees
Peer-to-peer transfers
Apple & Android pay
Two-day early pay access
Rebates for out of network ATM fees
Extended customer service
More fair lending products
“Roughly30% of parents with kidsin schools have achallenging relationshipwith theAmerican banking system.”
— PayTheory
Percentage of people considered financially healthy, by race
(Financial Health Network of America, August 2020)
