Accounts for Every Stage of Life
Substantial Advantage Checking
- No monthly fee with $1,500 min balance
- Unlimited ATM fee refunds
- Zelle® transfers included
- Early direct deposit (2 days)
High-Yield Savings
- Industry-leading APY
- FDIC insured up to $250,000
- No minimum balance required
- Automatic savings goals
Money Market Account
- Check-writing privileges
- Tiered interest rates
- Debit card access
- $10,000 minimum balance
Everything You Need, All in One Place
Deposit checks, pay bills, and manage accounts on the go with our award-winning app.
256-bit encryption, biometric login, and real-time fraud alerts protect your money 24/7.
Send money instantly via Zelle, or schedule recurring payments with ease.
Use your Substantial Bank card in 200+ countries with no foreign transaction fees.
AI-powered spending analysis and personalized financial coaching at your fingertips.
Earn cash back, travel miles, and exclusive partner benefits with every purchase.
Grow Your Wealth with Substantial Invest
From diversified ETF portfolios to direct real estate investment through our exclusive partnership with Substantial Property — we offer sophisticated investment solutions for every level of investor.
- Self-directed brokerage with no commissions
- Managed portfolios with robo-advisor
- IRA and 401(k) rollover services
- Real estate investment via Substantial Property
Deposits insured up to $250,000 per depositor by the Federal Deposit Insurance Corporation.
Reach a live specialist anytime — phone, chat, or in-branch with 340+ locations nationwide.
Recognized 8 years running for best-in-class digital security by Javelin Strategy & Research.
Committed to fair lending practices and equal access to financial products for all customers.