Banking doesn’t have to be so… blah.
By switching to Level, you could earn unlimited cash back with Plus or Premium membership, watch your money grow with interest paid to YOU by Level on all the money in your account, enjoy no overdraft fees, and take advantage of ATM operator fee reimbursements at over 2.3 million ATMs worldwide (up to $4 per reimbursement)! Get your paycheck up to 2 days early¹ and relax knowing your money is safe and secure in an FDIC-insured account offered through Evolve Bank & Trust, Member FDIC.
It’s a no-brainer. So, what are you waiting for?
Applying is simple, won’t affect your credit score, and generally takes less than 2 minutes.
What’s the buzz? Here’s what our customers love most:
- Earn unlimited cash back with Plus or Premium membership
- Access no-interest cash advances, up to $150²
- Earn interest on all the money in your account, so sit back, relax, and watch your balance grow
- Get paid early¹
- Friendly, responsive, and highly-rated customer support has your back
- Real-time notifications, logos, maps and more, keeping you updated on your account usage
- No overdraft fees
- No maintenance fees
- No minimum balance fees
- No foreign transaction fees
- Real-time ATM operator fee reimbursements
- Design-forward app experience
- Transfer money quickly, easily, and at no cost
- Maintain complete control of your account by easily changing your PIN in a couple of taps
- FDIC-insured deposits through Evolve Bank & Trust, Member FDIC
- Powerful end-to-end encryption keeps your sensitive personal info safe and secure
- Visa’s Zero Liability Policy ensures you’re not responsible for unauthorized charges³
- Learn more about Plus and Premium memberships here
Getting started is a breeze:
1. Download the Level app and apply in less than 2 minutes, or apply online at levelbank.com/apply.
2. Fund your account by setting up direct deposit or transferring money in from another bank account.
3. Order a physical card, or stick with your virtual card.
4. Give yourself a pat on the back for leveling up your banking!
¹ Direct deposit and earlier availability of funds depends on timing of payer’s submission of deposits. We generally post deposits on the day they are received, which may be up to 2 days earlier than the payer’s scheduled payment date.
² Cash advances offered through your Level Bank Account is an optional, no fee service. We do not charge any interest or fees for cash advances; however, you must be enrolled in Plus or Premium membership which has monthly membership dues. To be eligible for cash advances, you must receive direct deposit(s) of $500 or more for two consecutive months in your active Level Bank Account. All cash advances must be repaid in full within 15 calendar days. See the Level Bank Account Agreement for more information.
³ As a Visa debit cardholder, you will not be held responsible for unauthorized transactions if you use reasonable care in protecting your card from loss or theft; and you promptly report the loss or theft to Level. For specific restrictions, limitations and other details, please refer to the Level Bank Account Agreement.
Like using Level? Rate us!
It may be spooky szn but we have no tricks up our sleeves, only treats! We’ve made some updates that are sure to fill you with ghoulish delight.
We are proud to introduce the Premium and Plus Dashboards! These dashboards were designed to help you get the most out of your Level membership and allow you to stay up to date about your available membership benefits, Perks, total earnings, and more.
Want to manage your membership? Easily update your membership level right from the main menu.
We’ve also made it easier for you to add your Level card to your Wallet & Apple Pay. Head to Card & App Settings in the main menu to get started
Now that’s what we call a sweet update!
Questions? Give us a shout via Support in the main menu.
Ratings and ReviewsSee All
Great New Bank
Lots of banks offer a high interest rate, early deposit availability or cash back on debit card transactions. However Level is the first I’ve seen that offers ALL of these.
Been slowly moving my funds over to make them my main bank account. App is great and easy to read. No issues whatsoever with my account after a month. Highly recommend if you want to make the most of your cash.
Edit: Just dropped their rate to .50%. A drop is understandable given Fed rate cut. However, that rate is too low. Most online banks kept their rate in the 1.50% range. Will have to consider moving my funds to get a more competitive rate elsewhere.
Developer Response ,
Thanks for your feedback. We're happy to hear that you're enjoying all of the benefits that Level has to offer! If you have any questions or concerns, please don't hesitate to reach out.
NOT WORTH IT
since signing up I transferred $1,000 and almsot screwed over myself more by ALMOST making level my direct deposit bank. Everything was looking great up until half way through my initial deposit completing; I got an email that something in my UNUSED and NEW bank account was frozen. Leaving me completely out of $1,000 which has now been sitting casually in Level Banks organization. It’s COVID-19, money is tight, hours are SEVERELY CUT; rent and bills are due; and I’m told to wait 5 days for a response after they email me that they need a 30-day bank statement from where I transferred money from. It’s been over a week now and I still have no access to my money; no response from Level Zendesk Support. Just when I thought I found an online bank worth trying - I am given a HUGE reason to continue to bank with a bigger bank for MORE than obvious reasons. TLDR; if you’re looking for a savings account that you DEFINITELY can not withdraw from until someone from their “helpful” support team gets back to you (5 days or so later) - Level is the bank for you. Otherwise, stick with a trusted name in banking.
Developer Response ,
Thank you for taking the time to write us a review. We understand your frustration and want to help turn your experience around. Generally speaking, any time an account is frozen, it is likely due to an underlying reason (e.g., fraud protection, etc), and we carefully evaluate multiple factors before an account is frozen. When an account is in this state, it can take up to 5 business days to resolve, however, a resolution is typically reached much sooner than that. In order for us to assist you with resolving an account-specific issue, and for the security of your personal information, we ask that you please give us a call at (877) 735-3835. We're available 6am-6pm PT, Monday - Friday and 8am-5pm PT, on Saturdays.
Level is currently my favorite app. It’s 2020 and it still confuses me on why more banks don’t invest more into their ui design.
After being sick of slow, clunky apps, Level is a breath of fresh air. Quick, gorgeous, and minimalistic, Level accomplishes everything a banking interface should.
Level offers Cash Back, Early DD, decent interest and no fees - it currently offers more than what most online banks do checking wise.
I’m excited for the option to deposit checks and Apple Pay. Currently, that’s the only thing keeping me from making the full transition besides storing higher net savings in a credit union.
I highly recommend Level. The application process does take a little bit longer to be approved (due to COVID-19 at the time of writing this) but it’s definitely worth the wait.
Developer Response ,
Hi, we're happy to hear you're enjoying so many components of our app. Great news, Apple Pay is now live and ready to use! Please contact us if you ever have any questions, our customer support team is always happy to help.
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With Family Sharing set up, up to six family members can use this app.