United capital Financial® is a financial technology company that believes basic banking services should be helpful, easy, and free. We work with national banks to offer banking products and services that better meet the needs of everyday people. All of our members’ account balances are held at regulated, FDIC-insured banks: The Bancorp Bank, N.A. and Stride Bank, N.A., Members FDIC. Together, we’re addressing the industry’s fundamental misalignment between what’s good for banks and what’s good for consumers. We want to profit with our members, not from them. That’s why United capital Financial doesn’t rely on overdraft fees, monthly service fees, or minimum balance requirements. Our business was built with important safeguards at the center, which ensure customer deposits are always safe and accessible.

Every day, Americans face financial challenges that force them to make hard decisions about their money. Millions of people are forced to stretch their paychecks to make ends meet, all too familiar with the stress that comes at the end of the month. Too many financial service companies exploit these financial challenges by only offering expensive and predatory financial products and services like high-interest credit cards, payday loans, and charging overdraft fees.6 United capital Financial set out to do the opposite.

Unite everyday people to unlock their financial progress. Our member alignment and technological innovation have given rise to a suite of products that offer consumers helpful, transparent, and fair financial services. This has catalyzed broader industry change, pushing traditional banks to adopt more consumer-friendly policies.

Customers may forget what you said but they’ll never forget how you made them feel.