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Banking built for
your ambition.

Experience seamless digital banking with industry-leading security and rates that actually help your money grow.

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Financial Products

Choose the right tool for your financial journey.

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Lumina Checking

No fees. No minimums. Just smart banking.

0.00% Fees
  • • Early direct deposit
  • • 55,000+ Fee-free ATMs
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High Yield

Growth Savings

Make your money work harder for you.

4.50% APY
  • • Compound interest daily
  • • Automated savings tools
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Low Rate

Personal Loans

Fund your dreams without the nightmare rates.

5.99% APR
  • • Approval in minutes
  • • No prepayment penalties
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Security you can bank on.

We use military-grade encryption to ensure your data and your money stay exactly where they belong: with you.

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