Targeting 13-18-year-olds, AWSM Bank is designed both to be an dedtech and a fintech according to its two co-founders. It also offers a savings account and a range of investment products that are 100% fossil fuel free. The services are provided by Aspiration Financial, an SEC-registered broker dealer.Īspiration offers a cash management account that comes with a Mastercard debit card, no ATM fees globally, cashback rewards on purchases, a 2% interest rate, and customer’s own personal People/Planet impact score. It offers socially-conscious and sustainable banking services and investment products, and donates 10% of every dollar its customers pay Aspiration to “helping struggling Americans build a better life”. We set out to build a better world,” it states on the website. (American Community Bank does not exist today – it is part of First National Bank.)Īmerican Bank & Trust hopes to raise $20 million in capital via an IPO.Ī banking service, founded in 2013 and based in Marina Del Rey, California. Randy Helton, who in the late 1990s founded another local bank with a similar name, American Community Bank, is assisting with the venture. It was founded by a group of local business owners and led by David Cutherberston, CEO of home building company True Homes.
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The bank will differentiate from other US fintech start-ups in the SME space by gaining its own charter and FDIC insurance to provide full stack services to its members.Īlpha Business Bank is based in Spokane, Washington.Ī start-up bank based in Monroe, North Carolina, awaiting a banking licence. If you have any additions to the list, please get in touch with our editorial team.Īccording to the bank’s founder, Jacob Schuler, “US mega-banks do not understand small businesses, and small business owners go into business to do what they love, but usually fail due to financial trouble.” We’ll be revisiting and updating this list on a regular basis. With the US Office of the Comptroller of the Currency (OCC) now accepting applications for national bank charters from non-depository fintech firms, expect a flurry of challengers!įinTech Futures has put together a list of the current challenger banks and banking services in the US and the tech they are using. US challenger banks: who’s who and what’s their tech
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