Finally, banking that’s on your side.
Kudzu helps you do more with your money—no extra fees, no credit check, just tools and resources to help move you forward—all in one easy-to-use app.
Why Kudzu?
Online banking for everyday people
Whether you’re just beginning to dip your toes into personal finance, focused on building a balanced budget for your family, working to rebuild your credit, or simply planning for the future, Kudzu is here to support you along the way.
Forget the fees
You work hard for your money and, we don’t believe in charging you to use it. With Kudzu, you’ll never pay an overdraft, minimum balance, in-network ATM, or maintenance fee1. At the end of the day, your money is just that—yours.
Evolve at your own pace
We aren’t all afforded the same tools and resources in life. At Kudzu, we’ve decided it doesn’t have to be that way. Everyone deserves a chance to grow, so the tools you need to advance your financial skills and confidence are built right in.
Make managing money a breeze
Tracking and assessing your finances can be stressful on its own, never mind juggling multiple apps, spreadsheets, and debts. The Kudzu mobile app gives you a clear view of your finances, plus you can easily make changes, move money around, or improve your skills whenever, wherever.
Let’s make your finances flourish
Kudzu helps you make smart spending choices, grow your savings, and evolve your financial skills. Get growing with budgeting and saving tools, interactive financial literacy learning modules, and real-time alerts2 on account activity to keep you in-the-know.
A naturally smart way to spend
Kudzu spending accounts are equipped with robust tools and features to help you grow your money. Fund and use your account immediately with your digital Kudzu Visa® Debit Card, enable real-time alerts2 to stay updated on account activity, and enjoy the freedom to move and manage your money as you see fit.
Make saving second nature
With a Kudzu savings account, your balance grows without you lifting a finger. Funds in your savings account earn an interest rate3 well above the national average4 and you can set up automatic transfers from spending to grow even more.
Learn & earn with PayPerks®5
Quick, easy tutorials walk you through financial topics ranging from budgeting and saving to privacy and security and everything in-between. At the end of each module, you’ll complete a short quiz to test your skills and you can earn points by answering questions correctly, or simply using your Kudzu Visa® Debit Card.
Security you can count on
Your security is our top priority. We make sure your account, your money, and your information are always protected through advanced encryption, anti-fraud measures, and a banking partner that FDIC insures6 your funds.
Can I manage Kudzu and smiONE in the same app?
Absolutely! The Kudzu mobile app lets you manage both accounts in one convenient place.
How does transitioning from smiONE to Kudzu work?
Well, you have options. Once you open a new Kudzu spending account, you can choose to transfer your smiONE Card account details over to Kudzu and manage both accounts in the Kudzu app. To transfer your smiONE Card account details to Kudzu, simply tap the Kudzu module in your smiONE app and complete the enrollment process. If you’d prefer to switch your regular payments over to Kudzu, you can do so by updating your direct deposit preferences with your state or local office or other payor.
How is Kudzu different from smiONE?
Kudzu helps you take the next step on your financial journey. While your smiONE Card is a prepaid card, Kudzu is a full service banking app with spending and interest-earning savings accounts, more robust spending and savings tools to build smart habits, and interactive financial literacy lessons that help you master money topics and get rewarded while you do it. Plus, the Kudzu app provides more self-service options for things like updating your personal information.
How do I switch my government payments from smiONE to Kudzu?
To switch your payments from smiONE to Kudzu, you’ll need to update your direct deposit preferences with your state or local office. If you have an online portal for managing your child support payments, you may be able to update your direct deposit information there. Navigate to your direct deposit settings and update your account and routing numbers. You may also need to update the account name or the bank name. Alternatively, you can choose to have Kudzu create a direct deposit enrollment form for you through the mobile app or your online account center. Then, provide that form to your state or local child support office.
Do I need to contact someone from my state or local child support office to switch to Kudzu?
While you don’t need to contact your state or local office to open your Kudzu spending account, you may need to get in touch with them if you decide to switch your direct deposits over to Kudzu. Otherwise, you’ll continue receiving your regular payments on your smiONE Card account as normal.
Will my smiONE Card account close if I open a Kudzu spending account?
No! Your smiONE Card account will remain open and active. Plus, when you open a Kudzu spending account, you can manage both accounts in one app. You’ll still have the same features you’re used to with smiONE, and with Kudzu, you’ll unlock more robust tools and financial guidance. Keep in mind that once you make the switch, you will no longer have access to the smiONE app, but don’t worry—you’ll have access to all your account history and we’re here to support you every step of the way.
Can I use the smiONE app after I open a Kudzu account and link my smiONE Card details to it?
Once you make the switch to Kudzu you’ll manage both your smiONE Card and Kudzu accounts in the same app—nothing will change with your smiONE Card account unless you want it to. You will no longer be able to access the smiONE app, but all your data moves to Kudzu with you, so you’ll never miss a beat, and we’ll be supporting you through every step.
What fees does Kudzu charge?
We only charge fees for out-of network ATM withdrawals and expedited card shipping. 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 fees. Third-party fees may apply for remote check deposits and cash loads. For the full details, please view your fee schedule or your Deposit Account Agreement.
How can Kudzu help me with managing my family finances?
Kudzu was built for everyday people and families. Your Kudzu account comes equipped with spending and savings tools to help you develop healthy financial habits and gamified financial education, and you have the option to open a savings account that earns more interest3 than the national average4 so your money grows with you and your family. We update our blog, Climb, regularly with articles that break down complex financial topics in a way that’s easy to understand, giving you the knowledge to skillfully manage the finances for your family.
How can Kudzu help me with budgeting and saving?
Your Kudzu account comes equipped with customizable tools like SpendSense Alerts2 to help you take notice of your spending habits and practice working within a budget, Savings Habits that automate saving so you can make steady progress, and PayPerks5, our “Learn & Earn” financial literacy program with interactive modules that walk you through quick money lessons.
Does Kudzu offer child cards?
Not yet, but stay tuned for a future release! Join our quarterly newsletter to be the first to know about product updates and new features.
Can I add my child as an authorized user on my Kudzu account?
Not yet, but stay tuned for a future release! Join our quarterly newsletter to be the first to know about product updates and new features.
Branch out with Kudzu+
Keep your momentum growing with enhanced features and additional tools that help you make the most of your money7.
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.
