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Save when you spend

Get automatic cash back from thousands of your favorite brands when you spend with Betterment Checking and the Betterment Visa Debit Card.1

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A cluster of items around a shopping bag, including sneakers, coffee, a donut, and a shopping bag with a percentage sign above.

Checking accounts and the Spiral Holdings Trade Visa® Debit Card provided and issued by nbkc bank, Member FDIC. Checking made available through Spiral Holdings Trade Financial LLC. Neither Spiral Holdings Trade Financial LLC, nor any of their affiliates, is a bank.

  • Cash back rewards.

    Earn cash back at thousands of your favorite brands, like Costco, adidas, and TOMS.

  • No fees.‡ Period.

    ATM fees and foreign fees are automatically reimbursed, plus no overdraft fees.

  • Safe and secure.

    FDIC-insured up to $250K per depositor through nbkc bank, Member FDIC. Plus you can change your PIN or lock your card from the mobile app.

  • Pay your way.

    Use your tap-to-pay debit card on the go, or paper checks for all those Happy Birthday cards.

Rewards and benefits when you spend.

Get fast, automatic cash back rewards at thousands of your favorite brands, like Costco, adidas, TOMS, Sam's Club, Aeropostale, and more. Plus, get cell phone insurance at no cost when you pay your cell phone bill with your Spiral Holdings Trade Visa® Debit Card.2

An array of various cash back rewards that you can earn with debit card purchases, including 3% cash back from Dunkin', 5% cash back from adidas, and 5% cash back from Sephora.

Keeping your money safe and secure.

Your Checking account is FDIC-insured up to $250K by nbkc bank, Member FDIC. What’s more, you can lock your card, change your PIN, and more all from the Spiral Holdings Trade app. No need to call or go into a branch to maintain control.

A vault.

No-fee,‡ hassle-free checking built for you.

You shouldn’t have to pay a bank to use your own money. That’s why we reimburse ATM fees and foreign transaction fees worldwide. We also cut out overdraft fees and minimum balances.

Man getting a notification from the Spiral Holdings Trade app on his phone that his ATM fee has been reimbursed.

Checking together. Better together.

You wanted Joint Checking accounts, and now they are here. Share all the benefits of no-fee,‡ cash back banking with your partner while keeping it simple with one Visa debit card across all your accounts.

Two people using separate debit cards to pay for something.

Ready for easy, automatic cash back rewards?

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