No more guessing where your money went. A Kudzu spending account helps you stay on top of your money and build better habits along the way.
Money isn’t static and money management shouldn’t be either. Kudzu helps you track, budget, and automate dynamic financial habits.
Most spending accounts just process transactions—Kudzu helps you optimize them with more insights and smarter tools.
No matter your past, Kudzu shows up for you. We’re here to fuel your growth, and it starts with a spending account built for progress.
Your Kudzu account is a demand deposit account, or DDA. A demand deposit account allows you to deposit money and retrieve it at any time on demand. Demand deposit accounts require no advance notice to the financial institution that holds your money. You also have the option to open an interest-earning Kudzu savings account, which will allow you to accrue interest on funds that you don’t plan to spend right away.
You have multiple options for adding money to your account: direct deposit, remote check deposits, and cash transfers3 at 50,000 Visa ReadyLink merchants. You can also connect other Kudzu accounts or external accounts and make transfers that way.
With SpendSense Alerts1, you can create daily, weekly, and/or monthly spending thresholds for yourself in the app or online and get notified when you reach your limits. While you will be able to continue spending once you’ve reached your limit, SpendSense Alerts help you take notice of your spending, get accustomed to setting and working within a budget and identify where you may be able to make some changes to your spending habits.
Kudzu Alerts are real-time notifications1 that help you stay aware of your account activity, like purchases, withdrawals, deposits, and low balances. These alerts are built to keep you informed and in control, without needing to log in and check your account constantly. SpendSense Alerts, on the other hand, is a part of the Kudzu toolkit. These alerts notify1 you when you’ve hit spending limits that you define. While Kudzu Alerts show you what is happening, SpendSense Alerts help guide how you spend. Both are there to help you build financial awareness, just in different ways.
You have full control over both your Kudzu Alerts and SpendSense Alerts1 in the app or online. For Kudzu Alerts, you can customize them to include things like transactions, low balances, and more. For SpendSense Alerts, you can set your own daily, weekly, or monthly spending limits. For both, you can choose between SMS, email, and push notifications.
With Kudzu, you never get charged an overdraft fee–no matter what. If the funds aren’t available, we’ll simply decline the transaction so you don’t spiral into a cycle of fees. Additionally, with Covered by Kudzu™2, you can choose to automatically transfer money from your savings account (up to 10 times per month) or the charge will be declined. To be eligible, you’ll need to keep at least $50 in your savings account. For Kudzu+4 members we offer even more protection. With Covered by Kudzu+5, we’ll spot you up to $100 if your balance is too low (even with transfers from savings), helping you cover purchases in the moment. Just make sure you’ve received at least $100 in qualifying deposits to be eligible. And you’ll repay only what we covered—no fees, no interest.
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Banking services are provided by The Bancorp Bank, N.A., Member FDIC. The Kudzu Visa® Debit Card is issued by The Bancorp Bank, N.A. pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
1 Message and data rates may apply.
2 Covered by Kudzu™ is an optional overdraft protection feature that uses funds in your savings account to cover debit card transactions that would otherwise bring your account negative, up to 10 times per month. You must maintain at least $50.00 in savings to be eligible for Covered by Kudzu. If the combined balance in your spending and savings accounts is less than the transaction amount, the transaction will be declined. For full terms and conditions, please visit kudzumoney.com/policies#covered-by-kudzu-terms.
3 Visa ReadyLink is subject to network availability.
4 Kudzu+ is an optional spending account that gives you access to additional features and benefits. A $4.95 monthly membership fee applies and will be automatically deducted from your Kudzu+ spending account. View full terms.
5 Covered by Kudzu+™ is an optional overdraft protection feature that covers up to $100 in debit card purchase transactions that bring your spending account negative. If you have also enrolled in Covered by Kudzu™, we will first transfer available funds from your savings account to cover a debit card purchase that brings your spending account negative, before using Covered by Kudzu+. To be eligible to enroll in Covered by Kudzu+, you must have an active spending account open for at least 30 days and one qualifying deposit of $100 within that 30-day period. To maintain access to Covered by Kudzu+ once enrolled, you must receive at least one qualifying deposit of $100 or more in your spending account each 30-day period. For full terms and conditions, please visit kudzumoney.com/policies#covered-by-kudzuplus-terms.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.
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Opinions, advice, services, or other information or content expressed or contributed here by customers, users, or others, are those of the respective author(s) or contributor(s) and do not necessarily state or reflect those of The Bancorp Bank, N.A. (“Bank”). Bank is not responsible for the accuracy of any content provided by author(s) or contributor(s).
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Kudzu is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A., Member FDIC.
