Vera Money is a financial technology company, not a bank. Banking services are provided by First Federal Bank of Kansas City, Member FDIC.
Vera Money is a financial technology company, not a bank. Vera Money is not FDIC-insured. Deposit account funds are insured through First Federal Bank of Kansas City, Member FDIC, on a pass-through basis up to $250,000. Conditions must be met to qualify for this insurance, which only protects against the failure of the bank where the account(s) is held.
Checking, a debit card, and savings optimized to earn more* — all under the guidance you already trust.
No minimum balance.
✓
Pick amount, cadence, source
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Vera runs the transfers automatically
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Pause, edit, or kill it anytime
No monthly fees
No monthly fee to hold your money, ever. Other fees may apply — see our fee schedule.
Optimized for savings
Money you don’t need moves into savings on schedule — into an account earning 1.01% APY (Annual Percentage Yield), or 1.51% once your balance reaches $5,000.*
Get up to $100 bonus
Earn $25 for each of your first four qualifying direct deposits of $500 or more. Terms apply.**
What your savings earn
0.38%
National average*
1.51%
Vera savings
*1.01% APY, or 1.51% APY once your balance reaches $5,000. Interest compounds daily. Rates are variable and may change after the account is opened. Fees may reduce earnings. Above the FDIC national average savings rate of 0.38%, as published at fdic.gov as of September 18, 2026; national average rates are subject to change.
**Earn $25 for each of your first four qualifying direct deposits of $500 or more, up to $100 total. A qualifying direct deposit is an ACH deposit of payroll, pension, or government benefits from your employer or benefits provider — transfers between your own accounts, P2P transfers (e.g., Venmo, Cash App), and check deposits do not qualify. Each $25 bonus is credited within 3 business days of the qualifying deposit posting. One bonus program per customer. Valid until March 31, 2027.
Security
Banking-grade encryption with secure Plaid integration
We use AES-256 encryption — the standard used across financial services — to secure your data at rest and in transit.
Banking-grade encryption
Connect in seconds
8,000+ apps trust Plaid
Delete anytime
In your words, and in real time,
share your goals with Vera
and let her create a plan,
that's both flexible
and personalized.
I want to stop worrying about money
I want to buy a home
I want a month of savings behind me
I want to clear my card
I want to take the trip
I want to retire earlier
Well-being first
Vera is designed to move you towards your goals, while feeling whole and heard.
Well-being first
Vera is designed to move you towards your goals, while feeling whole and heard.
You’re in control
Vera follows your directives, respecting your choices.
You’re in control
Vera follows your directives, respecting your choices.
Integrity
Vera’s guidance is honest and secure.
Integrity
Vera’s guidance is honest and secure.
Fairness
Vera treats everyone equally, no bias or discrimination.
Fairness
Vera treats everyone equally, no bias or discrimination.
Continuous evolution
We continuously improve Vera to stay ethical, accurate, and relevant—without selling your data.
Continuous evolution
We continuously improve Vera to stay ethical, accurate, and relevant—without selling your data.
Real stories from people who use Vera every day—feeling more supported, more in control, and more at ease with their money.
★★★★★
Understands who the user is and the goals they’re aiming for.
F
Fiona R.
Vera user
★★★★★
Helps me get focused and motivated.
T
Tomás V.
Vera user
★★★★★
Finally a money app that doesn’t give me a panic attack.
K
Kaya M.
Vera user
Everything you need to know about Vera,
simple, clear, and always transparent.
