Banking that works
as hard as you do.
Personal checking, business accounts, instant global transfers, virtual cards, and AI-powered budgeting — all in one platform with zero monthly fees. No branches needed.
Why We Built This
A message from our founder on why traditional banking is broken
OmniVault
A Message From Our Team
Your Financial Command Center
The OmniVault Team
Your money, your rules.
Everything you need from a bank — minus the fees, the lines, and the frustration. Manage your entire financial life from your phone.
Free Checking & Savings
4.5% APYNo minimum balance, no monthly fees, no hidden charges. Earn up to 4.5% APY on savings with automatic round-up deposits.
Virtual & Physical Cards
2% cashbackInstant virtual debit cards for online shopping. Premium metal card with 2% cashback on all purchases, delivered worldwide.
Instant P2P Transfers
Zero feesSend money to anyone instantly — by phone number, email, or username. Zero fees for domestic transfers, near-zero for international.
Smart Savings Vaults
Unlimited goalsCreate unlimited savings goals with visual progress tracking. Auto-save rules based on spending patterns, payday, or round-ups.
AI Budget Coach
Atlas AIAtlas AI analyzes your spending patterns and provides personalized recommendations. Get alerts before you overspend, not after.
Bill Pay Automation
Auto-categorizeSchedule recurring payments, split bills with friends, and never miss a due date. Auto-categorize expenses for tax time.
Scale your business,
not your overhead.
From solo freelancers to growing teams — OmniVault business banking gives you enterprise-grade tools without enterprise-grade pricing.
Business Checking
Unlimited txnsDedicated business accounts with unlimited transactions, sub-accounts for departments, and real-time balance tracking across all entities.
Multi-Currency Accounts
30+ currenciesHold, send, and receive in 30+ currencies. Auto-convert at mid-market rates with transparent 0.3% FX fee — no hidden markups.
Invoicing & Payments
Auto-reconcileCreate professional invoices, accept payments online, and auto-reconcile with your books. Clients pay via card, bank transfer, or crypto.
Payroll Processing
Minutes, not daysRun payroll for your team in minutes. Direct deposit to any bank, automatic tax withholding, and year-end W-2/1099 generation.
Cash Flow Analytics
AI forecastingReal-time revenue vs. expense dashboards, runway projections, and AI-powered forecasting. Know your burn rate before your accountant does.
Accounting Sync
QuickBooks & XeroNative integration with QuickBooks, Xero, and FreshBooks. Two-way sync keeps your books accurate without manual data entry.
OmniVault vs. the Big Three
We put OmniVault side-by-side with Chase, Bank of America, and Wells Fargo. The numbers speak for themselves.
How much are you overpaying?
Adjust the sliders to match your current banking habits and see how much you'd save with OmniVault.
Fort Knox-level security.
Zero compromises.
Your money deserves better protection than a branch with a locked door. OmniVault uses the most advanced security infrastructure in fintech.
AES-256 Encryption
Military-grade encryption protects every transaction, message, and piece of data — at rest and in transit.
Biometric Authentication
Face ID, Touch ID, and fingerprint unlock. Your body is the key — no passwords to remember or steal.
Ghost Mode
Hide balances, mask transactions, and go invisible. Perfect for shared devices or public spaces.
Zero-Knowledge Architecture
We can't see your data even if we wanted to. Your financial information is encrypted on-device before it ever leaves your phone.
SOC 2 Type II Compliant
Independently audited security controls. Your data is protected by the same standards used by Fortune 500 companies.
GDPR & FinCEN Compliant
Full regulatory compliance across US and EU jurisdictions. We don't sell your data — ever.
Frequently asked questions
Ready to break up
with your bank?
Join 2,800+ early adopters who've already made the switch. Open your free account in 2 minutes — no branch visit, no paperwork, no nonsense.