Your everyday account, opened in minutes.
What you get
Opening
Online application with identity verification (KYC)
Account & routing number
Issued instantly on approval
Incoming funds
Direct deposit, ACH and domestic wire
Debit card
Free virtual Visa debit card
Statements
Monthly statements as PDF or CSV
Alerts
Email notifications for every transaction
Overdraft-free by design
Spending is limited to your available balance at all times
How it works
Register online
Create your account in under a minute.
Verify your identity
Upload your ID and complete the short KYC application.
Get your numbers
Account and routing numbers issued on approval.
Bank everyday
Receive deposits, pay with your card and track it all live.
Rates & limits
| Monthly maintenance fee | $0 |
| Minimum opening deposit | $100 |
| Account & routing number | Instant |
| Virtual debit card | Free |
| Statements | PDF & CSV |
Why customers trust UBANLC
Bank-grade security
Two-factor sign in, session checks and a complete audit trail behind every action.
Private by design
Your documents and personal data are encrypted and visible only to you and our compliance team.
Complete transparency
Every transaction carries a unique reference in a double-entry ledger you can verify.
Support 24/7
Real people on the line, every day of the year.
Frequently asked questions
Ready to get started?
It only takes a few minutes online.