Let’s build a Community-First FinTech to improve our Financial Health TOGETHER!
OurBanc is a financial technology company built with today's economy and our dynamic society in mind. We recognize that many people in this country are financially unhealthy, with the highest concentration in African Americans, Hispanics, and Indigenous communities — Together, we can change that!
OurBanc is re-engineering mobile banking to better serve historically disenfranchised communities.
Our Values
OurBanc emphasizes the importance of TRUST through our COMMUNITY and mission-aligned allies. Our customers benefit from enhanced TRANSPARENCY through our comprehensive approach to incorporating FINANCIAL LITERACY and awareness into the mobile banking experience.
Trust
Community and mission-aligned allies
Literacy
Personalized financial education
Our Mission
OurBanc’s mission is to do our part in dismantling the systematic barriers that exist within America's financial system by channeling the transformative power of purpose, community, and innovative technology to provide historically disenfranchised people with more transparent and equitable financial products and services.
Our Features & Our Focus
High Level Security
Deposits are FDIC insured up to $250,000 per account and we have Platform Banking regulation encrypted security.
Data Driven
Data - driven and AI - enabled personalized insights helps protect, guide, and inform our customers to encourage positive financial behaviors.
+ Benefits
Remote deposit, online savings and checking accounts with no minimum balances or overdraft fees, a vast ATM network, early pay access, fairer lending rates, and access to financial literacy.
Best in Class
Remote check deposit
Digital accounts
No minimum balances
No monthly maintenance fees
No overdraft fees
Peer-to-peer transfers
Apple & Android pay
Two-day early pay access
Rebates for out of network ATM fees
Extended customer service
More fair lending products
“Roughly 30% of parents with kids in schools have a challenging relationship with the American banking system.”
— PayTheory
Percentage of people considered financially healthy, by race
(Financial Health Network of America, August 2020)
