It's about time your bills paid you.

GET EARLY ACCESS

Cash out rewards your way.

Join our waitlist for early access. Invite friends and get rewarded.

Sign up today and invite friends to move up the waitlist and unlock higher rewards.

© 2019 exSEED. All rights reserved exSEED Inc.

Use your exSEED debit card via bill pay with over 5,000 merchants across America.

Showcase Your App With Appko

Your money is safe with us.

Every exSEED checking and savings account is FDIC insured for up to $250K, and protected by bank-grade encryption, two-factor authentication (2FA), Mastercard's Zero Liability Policy, continuous fraud monitoring and all digital instant card lock.

exSEED is the reliable way to establish or build strong credit and grow towards your goals:

  • Purchase the home of your dreams
  • Get the car loan you deserve
  • Take out a personal loan for the things you need

Build credit while you save and spend!

Grow your credit. Grow your savings. Grow your potential.

Establish or build your credit.

Now establish or build strong credit with exSEED - NO hard credit pull or inquiry required.

Earn points on spending and good habits. 

Now get rewarded for building your credit and creating good financial habits. About time!

Automatic savings from each paycheck.

Grow your money with goal-based and automatic savings from each paycheck.

4x points

on Ride Sharing

All of the features. None of the headache.

Spend with confidence.

Get instant push notifications for all card transactions and rewards, and see them reflected right away in-app.

Forget fees.

Say goodbye to monthly fees, overdraft fees, and inactivity fees. Plus no minimum balance.

Withdraw anytime.

Keep more of your money! Enjoy free ATM withdrawals with our 55,000+ in-network ATMs.

Pay anywhere.

Pay anywhere Mastercard is accepted or combine exSEED with Apple Pay & Google Pay for seamless payments!

Mobile Deposit

Need to deposit a check? Just snap a quick photo with our mobile banking app and watch your account balance grow.

Build credit with debit.

exSEED combines the simplicity of a debit card with the credit building of a credit card. This is on top of an all-in-one mobile bank!

Join a bank that exSEEDs expectations.

With a debit card, it’s easy to know how much money you have, but forget about building credit.

With a credit card, you can build credit, but it’s a chore to curb your spending and approval is tough for most.

With exSEED you get the best of both worlds, delivering the most unique and impactful banking experience ever. 

NOW INTRODUCING EXSEED

GET EARLY ACCESSPrivacy PolicyContact Us

Forget about rotating categories or minimum amounts needed to redeem. Redeem whatever amount you’ve earned, whenever you like, towards things that matter to you.

Cash out towards...


The exSEED card works like a debit card so you never have to worry about a monthly bill, fees, or debt. When you make a deposit, your balance goes up. When you spend, it goes down. It's that easy.

Behind the scenes, the exSEED card processes like a credit card. This builds your credit and provides better fraud protection than a debit card. 

Apply for the exSEED card in minutes and get approved within 24 hours, regardless of your credit score.

Forget about rotating categories or minimum amounts needed to redeem. Redeem whatever amount you’ve earned, whenever you like, towards things that matter to you.

Cash out towards:

Every exSEED checking and savings account is FDIC insured for up to $250K, and protected by bank-grade encryption, two-factor authentication (2FA), Mastercard's Zero Liability Policy, continuous fraud monitoring and all digital instant card lock.

Your exSEED checking or savings

Your student loans or college savings

Your retirement or investment account

Gift cards toward your favorite stores!

Easily split bills in-app for a seamless payment experience.

Earn rewards and build credit on gas and electric bills, car loans, and subscriptions like Netflix.

It's about time your bills paid you.

Join a bank that exSEEDs expectations.

Cash out rewards your way.

A bank and debit card with up to 3% cash back. Get early access.|  

exSEED combines the simplicity of a debit card with the rewards and credit building of a credit card. This is on top of an all-in-one mobile bank!

Build credit with debit.

GET EARLY ACCESS

NOW INTRODUCING EXSEED

GET EARLY ACCESS

Earn points on spending and staying on top of your finances. 

3x points

on Dining

2x points

on Amazon

How do we do this?

We made sure to give you plenty of opportunity to maximize your rewards on the things you buy often when spending with your exSEED card. Also, earn points for good financial habits!


The exSEED card works like a debit card so you never have to worry about a monthly bill, fees, or debt. When you make a deposit, your balance goes up. When you spend, it goes down. It's that easy.

Behind the scenes, the exSEED card processes like a credit card. This builds your credit and provides better fraud protection than a debit card. 

Apply for the exSEED card in minutes and get approved within 24 hours, regardless of your credit score.

exSEED combines the simplicity of a debit card with credit building of a credit card. This is on top of an all-in-one mobile bank!

We made sure to give you plenty of opportunity to maximize rewards on the things you buy often when spending with your exSEED card. Rewards and building your credit? Yes we did.

4x points

on Ride Sharing

3x points

on Dining

2x points

on Amazon

1x points

on Everything Else

1x points

on Everything Else

Terms of Use