INTRODUCING KUDZU
Your guide to financial growth.
An easy-to-use online banking app with reliable tools and training to help every personal finance beginner get growing—and stay growing.
*Kudzu is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A., Member FDIC.
No hidden fees. (No, really.)
We don’t believe in charging you for using your own money, so we’ve eliminated minimum balance fees, monthly fees, overdraft fees and in-network ATM fees. We’ll always be upfront about what we do charge, learn more on our fees page.
O
No monthly fees
O
No overdraft fees
O
No in-network ATM fees
accounts overview
Your Journey to Financial Growth Starts Here.
Easily move and manage your money with a tap. Enable real-time, customizable updates on account activity with built-in Kudzu and SpendSense Alerts™, enjoy immediate access to your digital Kudzu Visa® Debit Card and load check funds remotely in the Kudzu mobile app.
Make your money work for you and thrive with you. Effortlessly grow your money with customizable Savings Habits, earn more than three times the national average Annual Percentage Yield (APY)1 on your savings balance, protect yourself from insufficient funds with automatic transfers and track your progress all in one place.
Branch out. With the Kudzu mobile app, you can fully customize your experience to create your own, personal Kudzu branch! Send and receive funds by linking external accounts, enable direct deposit and freely transfer money between your accounts to manage your money, your way.
built-in tools
Let your ambitions take root with Climb
Each element of this toolkit is designed to help you build money mindfulness and smart financial habits. Think of it as your travel bag — everything you might need for your journey ahead.
SpendSense AlertsTM
Practice mindful spending by creating daily and monthly thresholds for yourself. We’ll notify2 you any time you exceed your spending limits.
Covered by KudzuTM
Protect yourself from insufficient funds by opting-in to set up automatic funds flows from qualified savings accounts for up to 10 charges per month3.
Savings Habits
Plan for the future at your own pace when you set up customizable automatic transfers from spending to savings.
financial literacy
What to expect
Open a new Kudzu account.
It takes a few minutes to apply and won’t impact your credit score.
Seriously Secure
We’re here to keep you (and the future you) safe. Kudzu protects your money and privacy so you stay insured and reassured throughout your entire financial journey.
safety
All deposits are FDIC insured through The Bancorp Bank, N.A., up to $250,000.
protection
Your private information stays private with the latest encryption technology.
control
Lock a misplaced card in seconds from your app. You’re also protected from unauthorized charges by Visa® Zero Liability Rules.
peace of mind
Real-time Kudzu Alerts2 help you stay on top of your account activity and spot anything suspicious.
Frequently Asked Questions
About Kudzu
Kudzu was sown from a simple idea—financial freedom should be accessible to everyone. We saw a need for a personal finance experience that goes beyond conventional services, focused on supporting and cultivating long-term growth for our customers. So, we created a virtual financial solution that empowers you to harness the unstoppable growth of kudzu.
Kudzu’s parent company, Systems and Methods, Inc. (SMI), has been building innovative payment solutions for over 50 years. Since 2011, SMI has provided prepaid debit card services for unbanked and underbanked populations to securely receive their government payments, proudly serving more than two million families in 16 states and 13 Tribes. Now, SMI is excited to expand and bring transparent account services and customized training to personal finance beginners across the nation.