Private Banking build for the modern world.
A kinder way to
bank

Built with purpose

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Bank with Purpose Card

Your money

Your values

Big banks make billions funding factory farming, fossil fuels and other exploitive industries. 13o3 offers socially responsible banking that supports vegan advocacy and rewards you for choosing cruelty-free and plant-based products.

Why ethical banking
Bank with Purpose

Bank with Purpose

A mobile bank account with no monthly fees or minimum balance. Your deposits never fund fossil fuels, factory farming, or private prisons… Instead, we distribute a portion of earnings to advocacy and charitable organizations at no cost to you.

How it works
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Plant-based perks
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        13o3 rewards you for supporting vegan businesses and brands. Get cash back and exclusive offers with participating merchants.
Purpose ImpactComing soon

Understand your impact

Whether it's reducing your carbon footprint or supporting minority-owned businesses, you can't change what you can't measure. Tell us what you care about and we'll help you nudge your spending to better match your values.

Bank with confidence

Purpose No Fess

No fees, no minimums

Enjoy transparent banking with no monthly fees, overdraft fees or minimum balance. And no foreign transaction fees either.

Earn high interest

High-interest checking

Earn 0.25% APY (3x the national average) on all funds deposited in your account — no minimums or monthly withdrawal limits.

No ATM Fee

55,000 fee-free ATMs

Pay less ATM fees with access to 38,000+ fee-free MoneyPass® ATMs.

Get Support

Always-on support

Need help? 13o3 support is fast, reliable and always human.

Your money is safe with us

Your money
is safe with us

get FDIC insured deposits

Your deposits are FDIC insured up to $250,000

Mastercard

Mastercard zero-liability guarantee (1)

Freeze or unfreeze card at any time

Freeze or unfreeze your card instantly inside the app

Encryption added

Bank-grade encryption and authentication