Better banking basics
—all in one app
Managing your money just got a whole lot easier with Kudzu. Track your spending, maximize your savings, and build the financial future you deserve.
Kudzu gives you control of your financial future
Traditional banks and one-size-fits-all fintech apps can make it hard to get ahead. The Kudzu app is here to guide you through your financial journey—without extra fees and rigid requirements.
No extra fees, no surprises
We don’t charge overdraft fees, monthly fees, or in-network ATM fees, and we don’t require minimum balances¹. It’s your money after all.
Your money goals are within reach
Budgeting and saving don't have to be stressful. When you use the Kudzu app, financial growth comes easy.
The smart way to spend and save
Make the most of Kudzu’s easy banking tools, including real-time alerts2 and financial guidance.
Digital banking tools to nurture your growth
No matter where you are in your financial journey, Kudzu gives you the tools to budget better, save smarter, and plan for what’s next.
Smarter spending, more control
Kudzu makes smart spending a breeze with convenient tools and no extra fees or minimum balance penalties1. Take advantage of customized SpendSense Alerts2, overdraft protection with Covered by Kudzu™3, and immediate digital access to your Kudzu Visa® Debit Card.
Save more the easy way
Kudzu makes savings a breeze with features like automated Savings Habits, no monthly fees, and no minimum balance requirements. Earn more interest than the national average4 and enjoy unlimited transfers between accounts. Kudzu empowers you to automate and grow your savings 24/7/365.
Protect what’s yours
Your Kudzu account is always protected by advanced encryption, real-time fraud monitoring, and Visa® Zero Liability5 protection, which helps protect you from liability of unauthorized transactions. Your funds are also FDIC-insured6 through The Bancorp Bank, N.A., Member FDIC.
Learn and earn with PayPerks
Kudzu helps you build confidence in your financial skills and rewards you while you learn! Our interactive learning program, PayPerks®7, delivers bite-sized lessons on budgeting, saving, credit building, and more. Each lesson provides points and a chance to win our cash prize sweepstakes8.
Kudzu+ gives you more room to grow
Kudzu+9 unlocks premium features that accelerate your growth and enhance your digital banking experience. You'll get access to your paycheck up to two days early10 with direct deposit and enhanced overdraft protection, while your savings balance grows at a faster rate. The benefits of Kudzu+ really add up.
You asked, we answered
No surprises, no confusion. Kudzu’s digital banking experience is designed to be clear and simple. Here are quick answers to the most common Kudzu questions.
Are there really no hidden fees?
That’s right. Our goal is to help you keep more of your money and make it grow. We don’t charge low-balance fees, monthly maintenance fees or overdraft fees1. No surprise fees—ever. You can always view the fees we do charge on our fees page.
How does Kudzu help me save better?
We make it easy to automate your savings goals with Savings Habits. Decide how much money you want to move into your savings account and how often, then just set it and forget it! Best of all, your money grows at an interest rate that’s above the national average4, and you get unlimited transfers to your spending account. Grow your money while still having easy access to it.
How does Kudzu keep my money safe?
Every Kudzu account is protected with digital encryption and round-the-clock fraud monitoring. We also send you real-time alerts2 for all transactions so you can spot any suspicious activity. You can also lock/unlock your debit card at a moment’s notice from our app—protecting against unauthorized use if it’s stolen or lost.
Is Kudzu+ worth it?
Kudzu+ adds significant value to your digital banking experience8. Kudzu+ members get access to their direct deposits up to two days early9, more interest on their savings balance, and the ability to set and track personalized Savings Goals. Kudzu+ also comes with enhanced overdraft protection through Covered by Kudzu+11, and you won’t be charged any out-of-network ATM withdrawal fees1, no matter where to choose to get cash. Kudzu+ is the fastest way to reach your financial goals.
What is PayPerks and how does it work?
PayPerks7 is Kudzu’s financial literacy and rewards program. It offers bite-sized, interactive lessons on saving, budgeting, and credit-building—and you earn points for every lesson you complete. You also earn points for using your debit card. Those points count toward entries into Kudzu’s monthly cash sweepstakes. The more you learn, the more you earn and the more chances you have to win!
Grow your money on the go!
Financial freedom starts with a tap. The Kudzu app will help you manage your money, power your savings, and learn how to make smart financial decisions. Kudzu grows wherever you go.
