Launching soon!
Bridge the banking and budgeting gap with the only debit card that sticks to your budget
Say hello to effortless budgeting and smarter spending with every swipe.
Account Features
What makes Sediment different?
Budget folders in your checking account
Empower yourself to take charge of your finances by seamlessly integrating budget folders into your checking account. No more juggling multiple apps or spreadsheets - manage your budget effortlessly, right from your account.
Smart debit card automatically enforces your budget
With every transaction you make with your debit card, the transaction amount is automatically withdrawn from the appropriate budget folder within your account. You can even have fine-tuned control over which budget a transaction pulls from.
Grow your savings with transaction round-ups
Make the most out of every purchase by leveraging our transaction round-up feature. It automatically rounds each transaction to the nearest dollar, directing the spare change straight into your dedicated savings account. It's like a digital piggy bank that fills itself.
Set hard limits on selected budgets
Set unyielding spending limits for specific budgets and experience peace of mind like never before. Enabled budget folders ensure that a transaction will be declined if it would exceed your budget.
The Basics
It's not a bank account without these features
Individual or joint account
Access to 55,000+ free ATMs
Physical and virtual debit cards
Mobile deposits
ACH, wire, and book payments
Security and Compliance
We've got your back
FDIC insured
BSA/AML
Fraud monitoring
Data encryption