With spending and interest-earning savings accounts, Climb™ tools to cultivate money mindfulness and PayPerks®, our learn-and-earn financial literacy rewards program, Kudzu is the online financial solution that puts you on the path to growth.
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Move and manage your money
Our online spending and savings accounts help you securely use and grow your money, your way.
Convenient Spending Accounts Easily access and manage your money with a Kudzu spending account.
View and use your digital Kudzu Visa® Debit Card in the app to start making purchases as soon as you open your account. You can expect your physical card with activation instructions seven to 10 business days after you’ve added your initial funds.
Interest-earning Savings Accounts Let your money work for you with a Kudzu savings account.
Easily transfer money when you need it, effortlessly grow your funds with automated transfers and track all your progress in the mobile app. Earn more than three times the national average annual percentage yield (APY)1.
Let your ambitions take root with Climb
Each element of this toolkit is designed to help you build money mindfulness and smart financial habits. Think of it as your travel bag—everything you might need for your journey ahead.
SpendSense Alerts™
Practice mindful spending by creating daily, weekly and monthly thresholds for yourself. We’ll notify2 you anytime you exceed your spending limits.
Covered by Kudzu™
Overspending happens, but we’ll never charge you overdraft fees. Protect yourself from insufficient funds by opting-in to set up automatic funds flows from qualified savings accounts for up to 10 charges per month3.
Saving Habits
Plan for the future at your own pace when you set up customizable automatic deposits from checking to savings.
“Learn & Earn” with PayPerks4
When you use your Kudzu debit card or complete a learning module, you’ll earn points towards our monthly sweepstakes to win cash prizes!
PayPerks is an interactive, gamified way to learn about personal finance and using your Kudzu accounts.
Our learning modules walk you through quick, actionable and easy-to-consume tutorials and quiz you on what you’ve learned. Start strengthening your financial literacy and independence with nearly 100 different modules that take only minutes to complete.
Topics include:
Budgeting and Saving
Privacy and Security
Job Interview Tips
Managing Debt
Using Your Kudzu Account
And more
The more you learn, the more you'll earn.
As you move through the modules and make purchases with your debit card, you’ll be rewarded with points that enter you into our monthly sweepstakes for cash prizes. So, the more you learn, the more you’ll earn and the more opportunities you’ll have to win!
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.
Banking services are provided by The Bancorp Bank, N.A., Member FDIC. The Kudzu Visa® Debit Card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
1 The average national savings account interest rate of 0.46% is determined by FDIC as of April 15, 2024, based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/resources/bankers/national-rates/index.html to learn more.
2 Message and data rates may apply.
3 Covered by Kudzu™ is an optional overdraft protection feature that uses funds in your savings account to cover debit card transactions that would otherwise bring your account negative, up to 10 times per month. You must maintain at least $50.00 in savings to be eligible for Covered by Kudzu. If the combined balance in your spending and savings accounts is less than the transaction amount, the transaction will be declined. For full terms and conditions, please visit https://www.kudzumoney.com/policies/covered-by-kudzu-terms.
4 The Bancorp Bank, N.A., is issuer of the Kudzu Visa® Debit Card only and does not endorse or sponsor the associated products, services or offers from PayPerks®.
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver's license or other identifying documents.
Banking services are provided by The Bancorp Bank, N.A., Member FDIC. The Kudzu Visa® Debit Card is issued by The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
1 The average national savings account interest rate of 0.46% is determined by FDIC as of April 15, 2024, based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Visit https://www.fdic.gov/resources/bankers/national-rates/index.html to learn more.
2 Message and data rates may apply.
3 Covered by Kudzu™ is an optional overdraft protection feature that uses funds in your savings account to cover debit card transactions that would otherwise bring your account negative, up to 10 times per month. You must maintain at least $50.00 in savings to be eligible for Covered by Kudzu. If the combined balance in your spending and savings accounts is less than the transaction amount, the transaction will be declined. For full terms and conditions, please visit https://www.kudzumoney.com/policies/covered-by-kudzu-terms.
4 The Bancorp Bank, N.A., is issuer of the Kudzu Visa® Debit Card only and does not endorse or sponsor the associated products, services or offers from PayPerks®.
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