Spend, save, budget, and invest in one place, on one account, in one beautiful app.
Our interest rate is ~59x the national average and when the Federal Reserve increases rates, your interest rate will automatically increase with it. There are no minimum balance, spending, or deposit requirements1.
Cashback doesn't need to be complicated. We give you 1% cashback, not points, on all categories when you spend on your debit card. That means more money in your account at the end of each statement period2.
Managing your personal finances can be challenging, and everyone has their own unique needs. That's why we created a checking account with cash envelopes that can be used as flexibly as you need them to be.
Our investment platform is built for long term wealth creation, not speculative gambling. Beat the market with a highly curated portfolio or construct your own with equities, ETFs, crypto, and alternatives using institutional grade tools and research.
Simplify your life with Private Banking by Enzo. The service is so good you won't even need the Enzo app. Apply now for early access.
Available on iOS and Android.
Enzo is a financial technology company and not a bank. Banking services provided by Blue Ridge Bank N.A.; Member FDIC. The Enzo Visa® Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
1 Annual Percentage Yield of 3.57% is effective as of 11/3/2022. This is a variable rate and may change after the account is opened.
2 Eligible accounts that meet the minimum requirements can earn 10% cashback on Uber, 5% on DoorDash, 2% on rent or mortgage payments, and 1% on everything else, limited to $20 per calendar month and $150 per calendar year. Once the monthly and/or annual limits have been reached, you will continue to earn 0.25% on all of your card spend. The maximum total cashback you can earn in a calendar year is $2,500. Cashback on rent or mortgage payments is limited to one transaction per month. Enzo reserves the right to request additional documentation providing proof that the payments are bona fide rent or mortgage payments if it suspects unusual activity. Terms are subject to change. Cashback will be credited to your account the following month for qualifying transactions made the previous month. See our Terms of Service for complete details and eligibility requirements.
3 Enzo will not charge an out-of-network fee for using non-Allpoint ATMs, but the operator may. You may only deposit cash at an Allpoint ATM.
