SPEND

Do more with your money

The debit card that helps you get more, do more, see more.

Start spending money in a way that gets you closer to your goals.

Monorail debit card

CHECKING ACCOUNT

Have your money all in one place

Already use Monorail Wishlist? Now, you don’t have to wait for funds to transfer. Put your money in your free Monorail checking account. And use your linked Monorail card to buy.

Debit card and checking account features shown via app screen.
Wishlist app screen showing buying an item with the Monorail debit card.

DEBIT CARD

Take charge of your spending

Say goodbye to big bank vibes. Use the Monorail Visa debit card to only spend the money you actually have.

DIRECT DEPOSIT

Balance work
and life

You’ve been working hard! But don’t forget the big picture. Send your paycheck to your Monorail account. So your funds are all within reach to support your goals.

Direct deposit screen showing the feature is available in the app
Checking account app screen that shows transactions
TRANSPARENT TRANSACTIONS

Stay on top of every purchase

Have transparency into your spending. See all transactions and transfers made from your Monorail account. So you have total control over your available funds.

REWARDS

Get cash back

When you buy with the Monorail debit card, get cash back rewards sent directly to your Wishlist Fund. So you can keep the good times going. And potentially buy more.

Learn more
Debit card with cashback feature, showing retailers with deals.
Checking account screen showing roundups feature.
ROUNDUPS

Save cents to the dollar

Every penny counts. Roundup your purchase to the nearest dollar. And automatically send it over to your Wishlist Fund. For out of sight, out of mind savings.

Want responsibly

Don’t let your impulse today interfere with your dreams for tomorrow.

Manage all your wants and dreams in the same app. Intuitive design. Simple systems. So you can buy things with the money you actually have.

See how the Wishlist works
Wishlist app shown on a phone screen.

The debit card that helps you do more than just spend your money

“My old debit card did nothing for me. Felt like a no-brainer.”

“I love the roundups!

Makes saving a little more fun...”

“Nice little cash back perks were unexpected. It’s nice knowing that I can save money on the fly...”

Go the extra mile with Monorail

Parent teaching child how to ride a bike, like we're showing you how rewards work with the Monorail debit card.

Get automatic cash back rewards. 
On the things you already do.

When you buy with the Monorail debit card, get cash back rewards sent directly to your Wishlist Fund.

When you grocery shop

When you boost your wellness

When you eat out

When you book a hotel

So you can keep the good times going.
And potentially buy more.

Spending yesterday

Buy now. Pay later.

Borrow money on credit

Constantly check for rewards

Discover hidden fees on your checking account

Hop from app to app to manage your finances

Wait to buy your Wishlist items

Spending with Monorail

Only spend the money you actually have

Get auto cash back rewards

Have peace of mind with free checking

Spend where you save. No app-hopping.

Purchase your Wishlist items without delay

Enable roundup savings on purchases

With all the capabilities you need to
have a better handle on your finances

Monorail Visa debit card
+ virtual lock

Roundups on purchases
auto-transferred to your Wishlist Fund

Cash back rewards auto-transferred to your Wishlist Fund

Easy opt-in

Dedicated shopping card

Free checking account

Direct deposit for your paycheck

Instant transfers, withdrawals, and spending with the Monorail card

Transparent transaction records

Tap to pay with the physical card

Find an ATM

Dream big & small with your Wishlist and Tracks

Set up your account in less than 5 minutes

Chat with support & get real human help

SEC
regulated

FDIC
insured

Biometric
security

Bank-level
encryption