A Traditional Account with a Modern Twist
Your money should move as fast as you do. With an Anytime Capital checking account, you get a dedicated account and routing number—just like a traditional bank, but with added flexibility and convenience.
Smarter Banking, Better Benefits
Save on fees, protect your money, and earn high-yield interest on your checking balance — no need to move cash around.
Send and receive payments effortlessly
Whether you’re paying bills, setting up direct deposits, or sending money to friends and family, your checking account is designed for seamless transactions.
Link to your favorite financial apps
Connect your account to digital wallets, investment platforms, and Web3 services to manage your assets all in one place.
Secure, always-on access
Log in through our mobile web portal or app to track transactions, check balances, and manage your funds anytime, anywhere.
No unnecessary fees
Enjoy straightforward banking with transparent pricing and no hidden charges.
Earn up to 3.7% APY and enjoy discounts on many standard payment fees.
Manage Your Money from Anywhere
Skip the bank trips—handle your finances with easy, intuitive digital banking tools.
Mobile Check Deposit
Easily deposit checks from your phone—whether you're at home, out and about, or anywhere in between.
Explore mobile deposits
Simplified Bill Management
Pay bills from one easy-to-use platform and send money via same-day ACH, free standard ACH, check, or domestic and international wire.⁶
Explore accounts payable
Secure Account Access for Trusted Users
Share access with a spouse, family member, or financial advisor by giving each a dedicated login for a smooth and secure online banking experience.⁷
Explore account access
Sub-Accounts for Smarter Budgeting
Stay organized by creating multiple sub-accounts for things like bills, savings, or fun. Set automatic transfers to make managing your money effortless.
Explore sub accounts
Debit Cards for You and Your Family
Easily issue physical or virtual debit cards to family members or trusted users, set spending limits, and earn up to 4% cash back with Mastercard Easy Savings®.⁸
Explore debit card
ACH fraud protection
Protect your money by blocking unwanted ACH debits from your main or sub-accounts—or even from specific payees. Plus and Premier customers can preauthorize trusted payees for added control.
Explore ACH debit controls
Bank with confidence.
The Support You Deserve
Reach real people when you need help—friendly, expert support is just a message or call away.
Advanced security
features
Keep your money and personal information safe with two-factor authentication, data encryption, and real-time text alerts.⁹
$3 million in FDIC coverage
Rest easy knowing your personal checking deposits are protected up to $3 million.²
See why our customers
love Anytime Capital.
And why you will, too.
I searched far and wide for a simple, effective way to manage my personal finances—and I found that with Anytime Capital. The seamless experience and no-fee structure made it an easy choice for me.
Logan P.
LP Creative Media
Professional services
Read the story
Explore helpful guides.
Learn how to make the most of your Anytime Capital account with these in-depth product guides and resources.
Personel Checking
What’s Required to Apply for a Personal Checking Account?
Protect your money and information with two-factor authentication, data encryption, and text alerts.⁹
Read more
Personel Checking
How you can earn 1.5% APY
See how you can earn 15x the national average when you meet a monthly activity goal...
Read more
Personel Checking
Connect to Financial Apps
Easily link your account to the apps you use every day for smoother money management.
Read more
Ready to Apply for Personal Checking?
Submit your application in just a few minutes.¹¹