Create accounts and store value with only a few lines of code

Launch banking the way you need — whether it's FDIC-insured deposit accounts, balance accounts, or rewards accounts. Leverage our universal ledger to manage accounts and transactions. Receive monthly account statements across all payments rails. 

Your multi-purpose accounts center

Bond Banking powers financial products for B2B and B2C companies across many verticals. Use our accounts center as the control deck for your financial offering — whether you’re building a neobank, launching easier expense management, or offering early pay access to your customers. 

Deposit accounts

Issue a deposit account and then easily create or modify that account. Create multiple accounts for a customer or business, whatever you need, guaranteed up to $250,000 FDIC insurance on each account. Use the Bond Banking API to build financial products for your clients that store funds, such as bank accounts, credit accounts, and/or balance accounts.

Oversight & control

Transfer a balance to and from an Account, Debit or Credit card — each account has its own unique number for easy transfers. Charge or waive monthly maintenance, overdraft, or transfer fees — at your discretion. Use our Banking API to quickly activate and deactivate accounts, as you see fit.

Money access, your way

Debit cards

Easily issue debit cards, physical or virtual, to move money from and to Bond deposit accounts. Use them in Apple Pay, Android Pay, or in any store. 

Cash access

Enable your customers to deposit cash via all ATMs in the United States

Early payroll access

Enable early pay days by making the money available as soon as the payor notifies us of the intended deposit – which is often up to 2 days before most banks make the funds available.

Bond Ledger

Our banking and account APIs are supported by Bond Ledger, a world-class, universal ledger system where you can capture any information related to account balance, upcoming transactions, transaction history and statuses. 

Receive notifications every time the account has a transaction. Quickly build your own statements by pulling data based on payment frequency using our Accounts API and best practice guides. Monitor and categorize expenses for budgeting. View your account balance, upcoming transactions, and transaction history in our a visual dashboard within Bond Portal.

Ledger’s accounting engine offers double entry accounting for all sub-accounts, including end of month and end of day transaction clearing. Additionally, Ledger’s internal transaction engine was built with the ISO 8583 specification.

Generate 2x the interchange of a debit card by offering your customers a credit builder card.

Retain customers and grow your user base

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Goldman-backed startup Bond raises $32M to let any company offer banking

Read more

Who needs a BaaS partner, anyway?

Read more

How a corporate lawyer and a finance guy ditched the rat race to build a 750 million barbershop app

Read more

Executives from Rapyd, PayPal and Goldman Sachs join Bond

Read more

‘It all goes back to creating access’: A day in the life of Roy Ng, co-founder and CEO of Bond

Read more

Fintech founder predicts the biggest 4 banks will be worth ‘less than $100 billion’ in 5 years

Read more

Roy Ng, co-founder and CEO of Bond, on BaaS's business model

Read more

How fintech statup Qoins is helping customers get out of debt

Read more

The Top 25 Women Leaders in Financial Technology of 2021

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