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Made for living, built for spending.

LiveUp Spending reimagines everyday checking, rewarding you for banking with us while supporting where you are now and where you're going next.

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Here's what sets it apart.

No monthly fee. Ever. Banking shouldn't cost you money for existing. Never worry about a monthly charge eating into your balance.
Your ATM fees, covered. We believe your money should be available anywhere, that's why we'll refund up to $10 in non-bank ATM surcharge fees each month.
A $1 Deposit We want to simplify life for everyone. That's why it takes only a $1 deposit to open your account and start earning dividends.
Earn dividends each month Earn monthly compounding dividends on balances over $1. You deserve it.

Key facts

Monthly fee $0
Minimum balance $0
ATM network 5,000+
Overdraft opt-in Available

Let's get into the details.

We've packed a lot into a simple account. No fluff. Just the features you'll actually use.

  • LiveUp Debit Card included. Use your debit card anywhere Mastercard® is accepted, whether you're shopping online, in-store, or on the go.
  • Mobile check deposit. Deposit a check without setting foot in a branch. Available for members 13+ enrolled in online banking.
  • eStatements. Your statements, paperless and ready whenever you need them.
  • Bill pay included. Schedule and send payments directly from your account, no stamps, no stress.
  • Access your money nationwide. Enjoy convenient access to your accounts at thousands of Shared Branch locations across the country.
  • 24/7 online and mobile banking. No branch required.
  • Freedom to use any ATM. We'll reimburse up to $10 per month in out-of-network ATM fees, so you're not limited to a specific network.
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Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living. Smarter Banking. More Living. Built for Members. Designed for Life. Life Comes First. Simple. Smart. Human. Banking Built for Real Life. Move Forward with Confidence. Better Banking, Better Living.

You're 3 steps away from your new account.

We've made opening an account as simple as possible, because you've got more important things to think about. The whole process takes about five minutes. Really.

Open An Account
Step 01

Tell us about yourself.

Enter a few basic details so we can get to know you and start setting up your new account.

Step 02

Pick your account.

Select the account you would like to open. Unsure? Give us a call, we'll help you find the account that fits your life.

Step 03

Start saving.

Fund your account with as little as $1 and watch your money grow. No waiting periods, no hidden hurdles. You're in.

Your LiveUp Spending questions, answered.

The ones we hear most. Answered plainly, without the fine print.

No. There's no monthly fee on a LiveUp Spending Account. Ever.

Just $1.

Yes, mobile check deposit is available for members 13+ enrolled in online banking.

We'll reimburse up to $10 per month in out-of-network ATM fees, so you're not limited to a specific network.

Yes, your LiveUp Debit Card is included and accepted anywhere Mastercard® is accepted.

Yes, 24/7 online and mobile banking is included at no extra cost.

Terms and Conditions

APY = Annual Percentage Yield. ATM fee reimbursements are available to active members who complete at least 6 qualifying transactions each month. Terms and conditions apply.

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