No overdraft fees or minimum balances. 19k fee-free ATMs.2
When you spend, we’ll give you stock.1
Plan your budget. Track spending. Create saving goals.6
Budget, save, and invest your pay up to 2 days early.3
Card lock.9 Mobile check deposit.2 Apple Pay. Google Pay.
Invest with $1 or less in your Stash investment account.
Can work for: first-time budgeters and investors
Can work for: long-term savers and investors
Can work for: families, debit card spenders, learning, savvy investors
In addition to 2x rewards on all qualifying purchases, Stash+ subscribers are exclusively eligible for bonus offers on certain purchases. See full T&C.
Every Stash subscription plan includes access to both a digital bank account1 and a personal investment account. Together, they provide the tools you need so you can start saving more money and building wealth. Some of the main benefits of banking with Stash include:
The Stock-Back® Card1: Use the Stash debit card for your everyday purchases, and we’ll give you stock in the companies you shop at. We want to offer you rewards that can actually grow in value over time, not encourage credit card debt.
No hidden fees2: Stash charges absolutely no hidden fees, including no overdraft fees, no monthly maintenance fees, and no minimum balance fees. You also get access to over 19,000 fee-free ATMs. It’s our mission to keep more of your money in your own pocket.
Instant transfers6: Transfers within Stash between your investment portfolio cash and your bank account are instant, eliminating the wait times that can come with external bank account transfers. So you can make your money moves—faster.
Saving and budgeting tools6: Our goals feature allows you to easily budget your cash within Stash, helping you save for goals, stay on top of expenses, and give every single dollar a purpose. We also offer spending insights, so you can see where your money is going and learn where you can save.
Early payday3: Our direct deposit users could get their paychecks up to 2 days earlier. It’s incredibly easy to set up direct deposit in the Stash app—you can even start by allocating a percentage of your paycheck to Stash and increasing from there.
Advice and education: Financial education is core to our mission. From everyday budgeting to retirement, we’ll be there with personalized advice and guidance every step of the way.
App-friendly features: Our banking and investing app features include: mobile check deposit, debit card lock and unlock, virtual card, real-time transaction alerts, automatic bill pay and check mailing, recurring transfers, and digital wallet compatibility (for both Google Pay and Apple Pay).
Every Stash plan includes access to the Stock-Back® Card, a debit card that earns pieces of stocks and funds on purchases.1 It’s a great way to build and diversify your portfolio, just by living your everyday life. You can earn investment rewards automatically, at no additional cost to you. Just spend, and we’ll give you stock.
What stock will I earn?
If you make a purchase at a publicly-owned company that has stock on our platform, we’ll reward you with a matching piece of stock. For example: spend at Amazon and earn AMZN stock, or swipe at Walmart and earn WMT stock. If you spend at a private business—like your local pizza shop—you can earn the ETF of your choice.
Stashers who set up direct deposit into their Stash banking account can get their paycheck or benefits up to 2 days early.3 How? Most banks know when you’ve got an incoming transfer, but some may hang onto your money for a few extra days in order to make interest off it. We don’t think that’s fair, so the bank credits your bank account with your pay once they’re notified of an incoming deposit.
Stash offers three subscriptions plans, starting at just $1/month.†
Stash Beginner costs $1/month. It can work for first-time budgeters and investors and includes banking with the Stock-Back® Card,1 investing, budgeting, and personalized advice.
Stash Growth costs $3/month. It can work for people who want to build wealth over the long run and includes banking with the Stock-Back® Card, investing, budgeting, personalized advice, and a Roth or traditional retirement account (IRA).
Stash+ costs $9/month. It can work for people with kids, debit card spenders, and those who want to learn more and includes banking with the metal double Stock-Back® Card, investing, budgeting, personalized advice, a Roth IRA or traditional IRA retirement account, custodial investment accounts for kids, and an exclusive monthly market insights report.
Predatory fees are awful—but many big banks and financial institutions are addicted to them. In 2019, Stashers who paid at least one external bank fee paid an average of $382/year in overdraft fees to their other banks.* Stash costs as little as $1/month for all your money needs with no hidden fees.†
We’re about transparency. Just like how you pay a flat-fee subscription to a music streaming service for access to millions of songs, you pay Stash a flat-fee subscription† ($1, $3, or $9 per month) for access to all your money needs—like banking, investing, budgeting, retirement, rewards, financial advice, and thousands of stocks and ETFs.
Stash doesn’t believe in the bank fees charged by many major banks. Stash charges zero overdraft, minimum balance, maintenance, or hidden fees, and our ATM network includes 19,000 fee-free ATMs nationwide.2 When investing, your subscription comes with unlimited trades with zero add-on trading commissions.†
*The average amount of overdraft fees that a Stash banking user paid is derived from data obtained from linked external checking accounts analyzed through the Quovo service. Average overdraft fee calculation is based on a lookback of users’ bank account transactions from January 1, 2019 through December 31, 2019 for the following type of fees: Overdraft Fees, as categorized by Quovo. The Stash banking account does provide overdraft services.
Yes. Stash offers FDIC-insured bank accounts through Green Dot Bank.