Experience industry-leading savings rates, flexible CDs, free FICO® Score access, and zero-fee accounts — all from the comfort of your home.
Digital-first banking designed to help you save smarter, spend wiser, and grow faster.
Earn 4.35% APY — far above the national average. No minimum balance. No monthly fees. Your money works harder for you.
Lock in competitive rates from 12 to 60 months. Predictable yield, zero service charges, and terms built around your goals.
Monitor your official FICO® Credit Score monthly at no cost. Track your progress and understand the factors affecting your score.
24/7 account monitoring, instant credit lock/unlock from your app, and 256-bit encryption keep your money safe always.
Set up recurring transfers to hit your savings goals automatically. The Savings Assistant handles it so you don't have to.
100% digital statements, online dispute filing, and custom alerts. Banking that is good for you and the environment.
Our High-Yield Online Savings Account delivers one of the most competitive APYs available — with none of the restrictions that come with traditional banks.
Choose the CD term that fits your goals. All terms come with zero monthly fees and guaranteed returns.
As a Itrace Bank Financial customer, you get free monthly access to your official FICO® Credit Score — the same score lenders use — directly in your dashboard.
Not an estimate — your real FICO® Score updated every month at no charge.
See how your score changes over time and understand what is driving improvements.
Get personalized insights on the key factors affecting your credit score each month.
Receive instant notifications when your FICO® Score changes significantly.
Bank with complete confidence knowing your accounts are protected 24/7
Military-grade encryption protects every transaction and piece of personal data on our platform.
Our AI-powered system monitors your account around the clock for any unusual activity or unauthorized access.
You are never responsible for unauthorized transactions. We cover 100% of verified fraudulent charges.
Lock or unlock your credit instantly from your mobile app with a single tap — available 24/7.
All deposits are insured by the FDIC up to $250,000 per depositor — your money is always protected.
Face ID and fingerprint authentication for secure, convenient access to your accounts on mobile.
Open a free Itrace Bank Financial account in minutes. No paperwork, no branch visits, no fees.