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Banking, lending, and cards from REDPEAK LEDGER

Checking, savings, credit cards, and home loans — sign up to see what fits your goals.

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star_half RedPeak Ledger Finance

Banking, lending, and cards from REDPEAK LEDGER

Checking, savings, credit cards, and home loans — sign up to see what fits your goals.

Learn More

Welcome to RedPeak Ledger personal financing

Do more with your account

Quick links

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Message support

Reach our support team through the in-app inbox.

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Personal financing

Find an offer that's made just for you

Take advantage of our special offers for our checking and savings accounts.

Explore Offers chevron_right

Ways to pay

Tap. Go. Enjoy.

Enjoy the convenience of shopping in-store and online with your mobile wallet.

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Why finance with REDPEAK LEDGER?

account_balance Our team is reachable around the clock through the in-app inbox, with no appointment required.

calendar_add_on Message our advisors for guidance on selecting the right account, building savings, or managing debt.

schedule View your credit score and report inside your account dashboard.

smartphone Sign on from any device with the same streamlined experience.

currency_exchange Send and receive in major currencies through SWIFT, with transparent fees shown before you confirm.

send Send money abroad with live exchange rates and the fees shown up-front before you confirm.

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Financing plan

Accessibility at REDPEAK LEDGER

What we do to make sure our products and services are accessible to all.

REDPEAK LEDGER's Accessiblity Plan chevron_right

Welcome to RedPeak Ledger personal financing

For all your financing needs

Loans

Explore from a wide range that suits your needs at an affordable rate!

Credit Cards

Let us help you find the right card that suits your need

Saving goals

Set targets, automate transfers, and watch your balances grow with built-in tracking and reminders.

RedPeak Ledger credit cards

Credit cards made for you

A credit card is a convenient financial tool that allows you to borrow funds up to a preset limit for purchases, bill payments, or cash advances.

It offers flexibility and security, often accompanied by features such as rewards programs, cashback, travel perks, and fraud protection.

Looking for something specific?

Cards chevron_right

Buying a home chevron_right

Loan & Credit chevron_right

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Encrypted by Default

TLS 1.3 in transit

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Two-Factor Authentication

Required on every account

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24/7 Monitoring

Fraud signals reviewed in real time

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Real Human Support

Tickets typically answered the same business day

Smart Banking Tools

Run the numbers in seconds

Five calculators. No sign-in. No sales call. Just answers.

Mortgage Affordability

How much home can you afford based on your income?

Annual income ($) Monthly debts ($) Down payment ($) Interest rate (%)

Estimated home price

Front-end ratio 28%, back-end ratio 36% (industry standard).

Sample rates

Savings APY 4.50% · 1-yr CD 4.85% · 30-yr fixed 6.49% · 15-yr fixed 5.75% · Auto APR from 5.99% · HELOC 7.25% · Personal loan from 9.99% Savings APY 4.50% · 1-yr CD 4.85% · 30-yr fixed 6.49% · 15-yr fixed 5.75% · Auto APR from 5.99% · HELOC 7.25% · Personal loan from 9.99%

Personalized Guidance

Find your match

Answer a few questions — we'll point you to the right product in under a minute.

Daily Insights

Stay informed, stay ahead

Markets · illustrative sample

DOW 38,452.78 ▲ 0.43%
S&P 500 5,184.40 ▲ 0.65%
NASDAQ 16,387.12 ▼ 0.18%

Static figures shown above are illustrative samples for design demonstration only. Live market data is not displayed.

Banking Glossary

Six terms everyone googles — in plain English.

APR vs. APY
APR (Annual Percentage Rate) is what you pay to borrow. APY (Annual Percentage Yield) is what you earn when you save — it includes compound interest.
Escrow
A neutral account that holds money for property taxes and homeowners insurance until they're due.
FICO score
A 300–850 credit score that lenders use to predict how reliably you'll repay debt.
Compound interest
Interest calculated on both the original principal and the accumulated interest from prior periods.
PITI
Principal, Interest, Taxes, Insurance — the four components of a typical mortgage payment.
Overdraft
Spending more than your account holds — most accounts charge a fee unless you opt into coverage.

Money Matters · weekly tips

article
5 signs you're ready to refinance
3 min read
article
A simple emergency-fund formula
4 min read
article
Reading your credit-card statement
5 min read
All articles arrow_forward

Onboarding Made Easy

Open, set up, and start spending in a single sitting

Three steps. About seven minutes.

1

Tell us about yourself

Name, address, government ID number — encrypted in transit and at rest.
2

Verify your identity

Snap a photo of your ID and a selfie. Most verifications complete within one business day.
3

Fund & you're set

Link an external account or push a check. Your debit card arrives in 5–7 days or instantly via digital wallet.

Have these ready

check_boxGovernment-issued photo ID
check_boxSocial Security number
check_boxProof of address (utility, lease)
check_boxInitial deposit ($25 minimum)

Add to your digital wallet

phone_iphone Apple Pay android Google Pay devices Samsung Pay

Tap-to-pay works the moment your card is issued.

Need a hand?

Open a support ticket and our team will reply by email — usually within a few hours.

Contact support

Built for every chapter

Wherever life takes you next

What can $X buy today?

Adjust the slider to see how far your money goes.

50 yrs ago

For the same goods you buy today for $50, 50 years ago you'd have paid about:

$3.50

Based on US cumulative CPI 1974–2024 ≈ 6.5× purchasing-power decline.

Students

RedPeak Ledger U

Built around student life: no monthly fees on the basic plan, mobile-first, and overdraft grace options inside the app.

Open a student account chevron_right

Home loans

Borrowing for a home

Sample mortgage scenarios are shown for illustration. Your actual rate, term, and approval depend on credit, income, and the property — see what you may qualify for.

See what you may qualify for chevron_right

Small business

RedPeak Ledger for Business

Business checking with low minimums, included ACH transfers, and same-day deposits where supported by the receiving bank.

Open business account chevron_right

Rewards & Loyalty

Banking that pays you back

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Silver

1% cashback on everyday spend

Free with any active account

Most chosen workspace_premium

Gold

3% on travel & dining, 1.5% everything else

$10K monthly direct deposit

diamond

Platinum

5% on travel & dining, concierge, lounge access

$25K monthly direct deposit

Refer a friend, both of you earn a bonus.

Send your link to friends and family. Eligibility and bonus amounts are shown in account disclosures before you enrol.

Get my referral link

Online

Account opening flow

No fee

On basic checking

24/7

Online access

In-app

Card controls & alerts

Our Commitments

Banking you can feel good about

Digital-first design, transparent products, and clear answers from a real human when you need one.

savings

Plain

Fee schedule, no surprises

visibility

Full

Transparency on every fee

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Fast

Deposits and transfers route as soon as they clear the network

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Real

Support answered by a person

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Lower-paper, digital-first banking

Statements, alerts, and deposits all in-app

Built around your time

How we work for you

schedule

Apply online

Most applications complete in a single sitting. No paperwork, no branch visit — identity checks happen after you sign up.

forum

Support that replies

Messages are routed to a real person. Average first reply during business hours.

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Plain-language disclosures

Fees, rates, and limits shown up-front — no asterisks in the fine print.

Member experience

Built around your time

Simple onboarding, transparent accounts, and support that actually replies.

Banking, lending, and cards from REDPEAK LEDGER

Banking, lending, and cards from REDPEAK LEDGER

Do more with your account

Personal financing

Ways to pay

Why finance with REDPEAK LEDGER?

Financing plan

For all your financing needs

Loans

Credit Cards

Saving goals

Credit cards made for you

Looking for something specific?

We're offering an even easier way to open an account

Rely on us - whatever the currency

Discover other ways we can help you

Fraud Protection

Investing

Pick your color. We'll mint the rest.

Honest features. No asterisks.

Where does your money actually go?

Plain-English money guides

Run the numbers in seconds

Mortgage Affordability

Refinance Savings

Savings Goal

Credit Card Payoff

Auto Loan Payment

Find your match

Card Finder

Stay informed, stay ahead

Open, set up, and start spending in a single sitting

Wherever life takes you next

Banking that pays you back

Banking you can feel good about

How we work for you

Questions?

REDPEAK LEDGER — data protected with industry-standard encryption, continuous monitoring, and strict access controls.