Golden Gate Through Mountain

High-yield checking. 3.50% APY. No cap.

Full-service banking with 3.50% APY1 on both Checking and Savings.

Request access
No account fees²

No minimum balance required

Up to $50M FDIC insurance³

Through our network of partner banks

24/7 customer support

The support you need, when you need it

Full-service banking

No branch required
Checks when
you need them

Checks when
 you need them

Deposit, mail, and order checks without visiting a branch.
Send money with a text

Send money with a text

Send money to anyone with a US 
bank account. Coming soon.
Add or withdraw cash anywhere

Add or withdraw cash anywhere

Get cash from 75,000+ ATMs and add cash at retailers nationwide.

Move money with ease

Automatically distribute your monthly direct deposit to match your goals.

Instant transfers

Move money between your Robinhood banking and brokerage accounts instantly, so your funds are always where you need them.

See your full financial picture

Track all your assets and liabilities, and see your net worth in real time.⁴

Unmatched value

No minimum balance required
High-yield accounts
Checking APY¹
3.50%
Savings APY¹
3.50%
Cash services
ATM in-network fee
$0
ATM out-of-network fee
$2.50
Add cash
At 7,000 locations nationwide
$0
Transactions
Incoming wire transfers
$0
Outgoing wire transfers
$25
Foreign transaction fee
Debit card
0%
Overdraft fee
None
Check services
Mail a check
Send a personal payment
$0
Mobile check deposit
Deposit checks with the app
$0
Premium checkbooks
Stylish and secure checks
$0
Designed for the whole family

Designed for the whole family

Children’s accounts with allowance and spending controls, individual accounts, and joint accounts for you and your partner
Paired with the only credit card you’ll need

Paired with the only credit card you’ll need

3% cash back with the Gold Card⁵, full-service banking, and high-yield Checking and Savings—all in one app
Coming Soon

Available now

Exclusively for Robinhood Gold members⁶
Request access
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  1. The Annual Percentage Yield (APY) is accurate as of 7/27/2026. Interest rate and APY may change at any time without notice before and after account opening. An annual Robinhood Gold subscription is required to earn APY. Some features, including the Checking APY and certain transaction limits and fees, also require at least $1,000 in monthly direct deposits to a Robinhood Checking Account. The direct deposit requirement is waived for the first 60 days after account opening to give you a limited preview of Robinhood Banking. You must meet the direct deposit requirement as of the last day of the 60-day period to keep the account features. Fees may reduce earnings on the account. See your Deposit Account Agreement for more information.

  2. Service fees and transaction fees and limits may apply and depend on your relationship tier. To receive premier benefits, you must meet the monthly direct deposit requirement, have at least $100,000 in assets across Robinhood, and maintain an annual Robinhood Gold subscription. See your Deposit Account Agreement for details, including how relationship tiers are determined.

  3. Funds in the Sweep Program are eligible for up to $50 million in FDIC deposit insurance through participating program banks, subject to the $250,000 per depositor, per insured bank, for each account ownership category limit and other applicable FDIC requirements. Robinhood Money, LLC is not an FDIC-insured bank. See the Program Information Notice and Sweep Program Customer Terms and Conditions for details.

  4. This visual is for illustrative purposes only.

  5. Earn 3% cash back on eligible purchases. Rewards are fulfilled as points, which can be redeemed for cash back if you have a Robinhood Financial Brokerage Account. Limitations apply. See the Robinhood Gold Card Rewards Program Rules for details.

  6. Robinhood Banking requires an active annual Robinhood Gold subscription and does not include a 30 day free trial. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (RHG). RHY and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood).

Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Robinhood Gold is offered through Robinhood Gold, LLC (RHG) and is a subscription offering premium services available for a fee. RHY and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood).

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2026 Robinhood. All rights reserved.
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  1. The Annual Percentage Yield (APY) is accurate as of 7/27/2026. Interest rate and APY may change at any time without notice before and after account opening. An annual Robinhood Gold subscription is required to earn APY. Some features, including the Checking APY and certain transaction limits and fees, also require at least $1,000 in monthly direct deposits to a Robinhood Checking Account. The direct deposit requirement is waived for the first 60 days after account opening to give you a limited preview of Robinhood Banking. You must meet the direct deposit requirement as of the last day of the 60-day period to keep the account features. Fees may reduce earnings on the account. See your Deposit Account Agreement for more information.

  2. Service fees and transaction fees and limits may apply and depend on your relationship tier. To receive premier benefits, you must meet the monthly direct deposit requirement, have at least $100,000 in assets across Robinhood, and maintain an annual Robinhood Gold subscription. See your Deposit Account Agreement for details, including how relationship tiers are determined.

  3. Funds in the Sweep Program are eligible for up to $50 million in FDIC deposit insurance through participating program banks, subject to the $250,000 per depositor, per insured bank, for each account ownership category limit and other applicable FDIC requirements. Robinhood Money, LLC is not an FDIC-insured bank. See the Program Information Notice and Sweep Program Customer Terms and Conditions for details.

  4. This visual is for illustrative purposes only.

  5. Earn 3% cash back on eligible purchases. Rewards are fulfilled as points, which can be redeemed for cash back if you have a Robinhood Financial Brokerage Account. Limitations apply. See the Robinhood Gold Card Rewards Program Rules for details.

  6. Robinhood Banking requires an active annual Robinhood Gold subscription and does not include a 30 day free trial. Robinhood Gold is a subscription-based membership program of premium services offered through Robinhood Gold, LLC (RHG). RHY and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood).

Robinhood Banking is a financial services platform offered by Robinhood Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC. FDIC insurance is available through pass-through insurance at Coastal Community Bank, Member FDIC, if certain conditions have been met. Robinhood Gold is offered through Robinhood Gold, LLC (RHG) and is a subscription offering premium services available for a fee. RHY and RHG are subsidiaries of Robinhood Markets, Inc. (Robinhood).

Robinhood, 85 Willow Road, Menlo Park, CA 94025. © 2026 Robinhood. All rights reserved.