New name. New look.
Always community-first.
Get up to a $400 bonus* when you open a new qualifying checking account with direct deposit and open a high-yield 4.00% APY* Spring Savings account - because a great rate is always in-season!
Get up to $400* for new Checking and Savings and enjoy these benefits:
Free Visa® debit card + Ascend Rewards
Earn 1 point for every $4 spent on debit towards travel, dining, cash back, and more!
Get paid up to 2 days early with Early Pay
Receive your direct deposit up to two days early, so you can manage your expenses without waiting.
Greenlight® debit program for families
With Greenlight debit, kids earn money through chores, set savings goals, and spend wisely.
Free Rebates on ALL of your ATM fees
We'll refund the ATM fees from any other bank or location, and all for no monthly fee.
Top-rated 4.8 mobile banking app
Manage your money anytime, anywhere—with tools designed to keep you in control.
Free financial management tools
Join the growing trend and take control of your finances more effectively and efficiently.
Ready to get started?
Open your new accounts today:
Spring Savings Tiered Interest Structure Explained:
Earn a great rate on every dollar you save—with higher balances earning a blended rate based on tiered interest levels.
Here’s how it works:
- 3.93% interest (4.00% APY) on the first $99,999.99
- 2.96% interest (3.00% APY) on the portion of your balance between $100,000.00 and $299,999.99
- 2.72% interest (2.75% APY) on the portion between $300,000.00 and $499,999.99
- 2.47% interest (2.50% APY) on any portion over $500,000.00
You’ll always earn the highest rate available for each portion of your balance.
For example, if your balance is $350,000.00, you’ll earn:
- 4.00% APY on the first $99,999.99
- 3.00% APY on the next $200,000.00
- 2.75% APY on the next $50,000.01
Your overall yield will be a weighted average, depending on your total balance. In this $350,000 example that would be an overall APY of 3.25%.
Switch to Ascend Bank - you'll be glad you did!
"I've banked with at least 8 different banks and I really must say they are the best."
Checking, mobile app user
"If I could give 10 stars, I would."
Checking, Guilford branch client
"Every single visit I have made to this bank has reinforced my reasoning for remaining a client."
Checking, Branford branch client
*DISCLOSURES:
1. Up to $400 Consumer Checking Offer: Offer available when you open a new Access Checking, Preferred Access Checking or Prime Access Checking account. You must enter promotion code “Ascend400” if opening online or mention the promotion to a banker when opening at any Ascend Bank branch. Account must remain open for 180 days to receive the $200 statement credit. Get $100 for making a direct deposit within 30 days of opening your account. Eligible direct deposits are electronic automated clearing house (ACH) deposits. Examples of eligible direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, ATM, or the Ascend Bank mobile app are ineligible direct deposits. Get $100 when you open a Spring Savings account within 30 days of opening a qualifying checking account. May be subject to 1099 reporting. Account holder is responsible for all applicable taxes. Offer valid through December 31, 2025, and may be withdrawn at any time. Limit 1 offer per person. New & existing customers are eligible, but funding may not come from a current Ascend Bank account. Rates on all balances subject to change based on future market conditions. Accounts subject to approval. $50 minimum to open any personal checking account. View full account details at https://ascend.bank/personal/bank/checking.
2. Spring Savings offer: Earn an interest rate of 3.93% with a 4.00% Annual Percentage Yield (APY) on balances up to $99,999.99; 2.96% interest rate (4.00%-3.00% APY) on balances between $100,000.00 to $299,999.99; 2.72% interest rate (4.00%-2.75% APY) on balances between $300,000.00 to $499,999.99; and 2.47% interest rate (4.00%-2.50% APY) on balances above $500,000.00. Each rate applies only to the portion of the balance within its tier, and your total yield is a blended rate across tiers. $0.01 minimum to open and $1.00 daily balance required to earn the disclosed APY. New and existing customers eligible. Funds must not come from an existing Ascend Bank account. Rates subject to change based on market conditions.
3. Early Pay: Ascend Bank Early Pay is available with all Ascend Bank checking accounts and Ascend Bank savings accounts, and grants you access to your eligible direct deposit payments up to two days prior to the scheduled payment date. Eligible direct deposits include certain transactions such as payroll, government benefits, or similar types of payments. The Ascend Bank Early Pay service is dependent on when Ascend Bank receives information from the payer that the funds are on the way. This could vary, and you may not always receive your funds early.
4. Greenlight: Ascend Bank customers are eligible for the Greenlight SELECT plan at no cost when they connect their Ascend Bank account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Subject to minimum balance requirements and identity verification. Offer subject to change at any time. Visit ascend.bank/greenlight for complete details.Promotional offers will be paid out within 30 days of completing the 180 day terms period.