Banking, refined.

Built for thewealth of tomorrow.

One account, every product. Earn 4.85% APY, send money in seconds, and bank with a team that's engineered for the next decade.

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FDIC insured up to $250kSOC 2 Type II256-bit encryption

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Built around you

One bank. Every product. Engineered for 2026.

Compare all accounts

Checking

Zero-fee everyday banking with insights that anticipate your next move.

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High-yield savings

4.85% APY, FDIC-insured, no minimums and no surprises.

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Credit cards

Travel, cash back, or premium concierge — three cards, real rewards.

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Mortgages

Pre-approved in 8 minutes, closed in 21 days. Personal banker included.

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Wealth management

Private-bank insights with the ease of a 2026 mobile experience.

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Business banking

From your first invoice to your IPO, banking that scales with you.

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Today's rates

High-yield savings APY4.85%

30-yr fixed mortgage6.42%

15-yr fixed mortgage5.78%

1-yr CD5.20%

5-yr CD4.55%

Personal loan APR (from)6.99%

Auto refinance APR (from)5.49%

HELOC rate (from)7.12%

High-yield savings APY4.85%

30-yr fixed mortgage6.42%

15-yr fixed mortgage5.78%

1-yr CD5.20%

5-yr CD4.55%

Personal loan APR (from)6.99%

Auto refinance APR (from)5.49%

HELOC rate (from)7.12%

Compound the future

See how a Reserve Savings account grows.

4.85% APY, FDIC-insured, no minimums. Move the sliders to model your plan.

Opening deposit$1,000

$0$50,000

Monthly deposit$500

$0$2,500

Years10 years

1 year40 years

Total deposits

$61,000

Interest earned

$17,198

Projected balance in 10 years

$78,198

The Paxnova Trust app

Your bank on the device you trust most.

Native iOS and Android apps with biometric sign-in, transaction-level search, and the same private-bank experience whether you have $100 or $100M.

Smart insights
AI nudges that anticipate cashflow gaps and suggest moves before you notice.
Instant transfers
Move money between Paxnova Trust accounts in under a second, 24/7.
Card controls
Freeze, set merchant rules, and rotate digital card numbers from your wrist.

9:41

Good morning

Jordan,

Total balance

$33,342.65

Recent activity

Blue Bottle Coffee
Food
-$32.50
Helio Labs payroll
Income
+$4,250.00
Whole Foods
Groceries
-$128.40

From the people who bank with us

Real reviews. Real names. Including the constructive ones.

We publish 4-star feedback alongside 5-star — the only way to keep getting better is to keep listening.

“Paxnova Trust replaced three accounts and two apps for me. The savings APY alone has earned me more than my old bank did in a decade.”

Priya M.

Product designer · Brooklyn, NY

“Closing on our mortgage was twenty-one days, end to end. The banker on my account knew our file by the time we hopped on the call.”

Daniel & Reyna O.

First-time homeowners · Austin, TX

“I run a 40-person agency. The treasury sweep, virtual cards, and approval rules give us back two hours of finance work a week.”

Marcus T.

Founder, Northbeam Studios · Denver, CO

“I moved $180k from my old big-bank savings to Reserve. The 4.85% is real — the first month's interest was four times what I'd been getting all year combined.”

Kelvin Ofori

Software engineer · Seattle, WA

Constructive

“Honestly the service is great and the app is the best I've used. My one complaint: the in-network ATM coverage is thin where I live. Out-of-network reimbursements help, but I'd love to see more partner networks rolled out in rural Vermont.”

Sofia Reyes

Veterinarian · Burlington, VT

“The Signature card has saved me $1,400 in foreign FX this year alone. The concierge actually picks up when I call from Bangkok at 3 AM.”

Jordan H.

CFO, Apex Health · San Francisco, CA

Constructive

“Self-directed investing is solid but I'm waiting on advanced order types — trailing stops and conditional brackets are still missing. I have to flip to a separate broker for active trading.”

Priya Narayan

Quant analyst · Jersey City, NJ

“We refinanced our $1.6M jumbo with Paxnova after three other lenders ghosted us for a week each. Paxnova replied to our application in 41 minutes.”

Anna Tellechea

Anesthesiologist · La Jolla, CA

Constructive

“I'd love to see a true budgeting envelope feature built in — I currently bridge to YNAB. Even basic 'sub-accounts with auto-allocation rules' would let me drop a $90/year subscription.”

Marco Vialli

Hospitality consultant · Miami, FL

“My private banker at Paxnova is on par with anyone I dealt with at Goldman, only she actually emails me back the same day. Trust & estate planning was handled in-house with their counsel — saved me a $14k bill.”

Renata B.

Retired CEO · Greenwich, CT

Constructive

“Mortgage pre-approval was great once I got through the form — but the form itself took 45 minutes on mobile. Real-time field validation would have helped me spot a wrong date 30 minutes earlier than I did.”

Sebastian Yu

Industrial designer · Portland, OR

“Our small business loan funded in eleven days. The competitor we'd been talking to was still asking for the same docs three weeks in. Night and day.”

Tariq Faruqi

Owner, Cedar Coffee Roasters · Cambridge, MA

Constructive

“App is gorgeous. Could the default theme respect system dark mode more aggressively? On my OLED iPhone the bright marketing pages keep me from showing the app off in the evening.”

Elena Sokolova

Photographer · Brooklyn, NY

“Paxnova Trust replaced three accounts and two apps for me. The savings APY alone has earned me more than my old bank did in a decade.”

Priya M.

Product designer · Brooklyn, NY

“Closing on our mortgage was twenty-one days, end to end. The banker on my account knew our file by the time we hopped on the call.”

Daniel & Reyna O.

First-time homeowners · Austin, TX

“I run a 40-person agency. The treasury sweep, virtual cards, and approval rules give us back two hours of finance work a week.”

Marcus T.

Founder, Northbeam Studios · Denver, CO

“I moved $180k from my old big-bank savings to Reserve. The 4.85% is real — the first month's interest was four times what I'd been getting all year combined.”

Kelvin Ofori

Software engineer · Seattle, WA

Constructive

“Honestly the service is great and the app is the best I've used. My one complaint: the in-network ATM coverage is thin where I live. Out-of-network reimbursements help, but I'd love to see more partner networks rolled out in rural Vermont.”

Sofia Reyes

Veterinarian · Burlington, VT

“The Signature card has saved me $1,400 in foreign FX this year alone. The concierge actually picks up when I call from Bangkok at 3 AM.”

Jordan H.

CFO, Apex Health · San Francisco, CA

Constructive

“Self-directed investing is solid but I'm waiting on advanced order types — trailing stops and conditional brackets are still missing. I have to flip to a separate broker for active trading.”

Priya Narayan

Quant analyst · Jersey City, NJ

“We refinanced our $1.6M jumbo with Paxnova after three other lenders ghosted us for a week each. Paxnova replied to our application in 41 minutes.”

Anna Tellechea

Anesthesiologist · La Jolla, CA

Constructive

“I'd love to see a true budgeting envelope feature built in — I currently bridge to YNAB. Even basic 'sub-accounts with auto-allocation rules' would let me drop a $90/year subscription.”

Marco Vialli

Hospitality consultant · Miami, FL

“My private banker at Paxnova is on par with anyone I dealt with at Goldman, only she actually emails me back the same day. Trust & estate planning was handled in-house with their counsel — saved me a $14k bill.”

Renata B.

Retired CEO · Greenwich, CT

Constructive

“Mortgage pre-approval was great once I got through the form — but the form itself took 45 minutes on mobile. Real-time field validation would have helped me spot a wrong date 30 minutes earlier than I did.”

Sebastian Yu

Industrial designer · Portland, OR

“Our small business loan funded in eleven days. The competitor we'd been talking to was still asking for the same docs three weeks in. Night and day.”

Tariq Faruqi

Owner, Cedar Coffee Roasters · Cambridge, MA

Constructive

“App is gorgeous. Could the default theme respect system dark mode more aggressively? On my OLED iPhone the bright marketing pages keep me from showing the app off in the evening.”

Elena Sokolova

Photographer · Brooklyn, NY

Reviews collected via TrustPilot, the App Store, Google Play, and our own NPS survey. Constructive feedback is forwarded to the product team every Monday — and a member of leadership reads every single submission.

Branches & ATMs

Digital-first, never digital-only.

Branches across 24 U.S. cities and 55,000+ fee-free ATMs nationwide. When you need a person, one is two blocks away.

Find a branch Locate an ATM