Personal Checking & Savings
Built For Veterans
No monthly fees. No minimum balance. No hidden charges. Just straightforward banking designed for those who served — backed by your dedicated Personal Banker.
Launching Q4 2026
Our checking and savings accounts are coming soon. In the meantime, join the Alliance or ask Sgt. Savings about getting your banking needs set up.
Before You Ask
Why This Will Be Different
We're not live yet. Here's what we're building toward, and why it won't look like a traditional bank account.
Veteran-Built, Not Bank-Built
We're not a legacy bank bolting a military discount onto an old product. VAB is building checking and savings from scratch, designed by people who've dealt with overdraft traps and minimum-balance games from the other side of the counter.
Same Protections, None of the Catches
The Veteran Alliance is a financial technology company, not a bank. Banking services are provided by our banking partner, and deposits will be FDIC insured through that partner — the same protection you'd get anywhere else, without the fee structure we're trying to fix.
Launching When It's Right, Not When It's Rushed
Q4 2026 isn't a marketing date — it's when the product does right by your paycheck. This is where your money lives, so it ships when it's built to hold up, not to hit a calendar.
The Math
How We Compare to Big Banks
Veteran Checking
Zero-Fee Banking
Everything you need. Nothing you don't.
$0 Monthly Fees
Your DD214 is your fee. No monthly maintenance charges, ever.
No Minimum Balance
Open with any amount. Keep what you want. No requirements.
Free Debit Card
Visa debit card with veteran-themed designs. Worldwide acceptance.
Mobile & Online Banking
Full-featured mobile app with mobile check deposit, bill pay, and instant transfers.
ATM Fee Reimbursement
Use any ATM, anywhere. We reimburse up to $20/month in ATM fees.
Overdraft Protection
We won't charge you $35 for being $2 short. Link to savings for automatic coverage.
The Veteran Alliance Debit Card
Choose from veteran-themed card designs. Show your pride at the register.
Smart Savings
Build Wealth Automatically
Goal-based savings with intelligent automation.
Automated tools to grow your wealth.
FDIC insured up to $250,000 by our partner bank
Multiple Savings Goals
Create separate goals for emergencies, vacations, big purchases. Track progress visually.
FDIC Insured
Your deposits are insured up to $250,000 per account by our partner bank.
Instant Transfers
Move money between checking and savings instantly, 24/7.
Auto-Save Features
Round-up purchases and auto-transfer to savings. Build wealth effortlessly.
No Withdrawal Penalties
Access your money when you need it. No lock-in periods.
Getting Started
Get Started in Under 10 Minutes
Upload your DD214 or military ID. We verify instantly.
Select checking, savings, or both. Fund with any amount.
Get introduced to your dedicated Personal Banker.
Veteran-to-Veteran Banking
Meet Your Personal Bankers
Real people who've served and understand your mission.
Checking & Savings — Frequently Asked Questions
Straight answers about a product that isn't live yet.
Q4 2026 is the current target. We haven't nailed down an exact date because we're not going to rush account infrastructure live just to hit a calendar milestone — this is where your paycheck lands, not a feature we can patch later.
Join The Alliance now and you'll be first in line when accounts open. Membership is free to start, and it already gets you access to everything else VAB has live today — mortgages, insurance, and a dedicated Personal Banker relationship — while checking and savings finish building.
Joining The Alliance today does not open a bank account or move any money — there's nothing to fund until checking and savings are actually live. Your information is handled the same way as every other VAB member record; see our Privacy Policy for exactly what we collect and how it's used.
The Veteran Alliance is a financial technology company, not a bank — we hold no charter. Banking services are provided through our banking partner, and deposits will be FDIC insured through that partner, same as they would be at any traditional bank.
That's the standard we're building to: $0 monthly maintenance fees and no minimum balance requirement, as outlined above. Nothing is final until the product ships, but a zero-fee, zero-minimum baseline is not something we're willing to compromise on for an account this basic.
The same audience as the rest of VAB — veterans, active-duty service members, and military families. If you're eligible to join The Alliance, you'll be eligible for checking and savings when they launch.
You don't have to wait on us for everything. Mortgages, insurance, and other VAB products are already live, and Sgt. Savings can answer general banking questions in the meantime — chat any time or browse the rest of Personal Banking.
Still Have Questions?
Our experts are here to help. Get personalized answers and start your application today.