Bank with Purpose

Get ready for early paydays,¹ easy transfers, no more monthly fees, and an end to your money funding fossil fuels.² At Ando, you get a world-class banking experience and a commitment that 100% of our investments will actively reduce emissions, empowering you to fight back against climate change.

Bank with Balance

Early Paydays, Every Payday

With direct deposit, you can get paid up to two days early¹ and access your funds before they are available at traditional banks.

Fight Climate Change

Most banks use your deposits to fund fossil fuels.² Not Ando. Our investments only support green initiatives.

Save Money

Zero monthly fees, no minimum balance, and a huge fee-free ATM network³ means sustainable banking is more sustainable for everyone.

Total Transparency

At Ando, you’ll get unprecedented access and insights to know exactly how you’re helping to save the planet.

No overdraft fees with Covered™

Coming soon! We’ve got you Covered ™ on debit card purchases, minus all those extra overdraft fees. Requirements apply.⁴

Your Impact Center

Bank with Clarity

We're all about transparency. See exactly where (and what) your money is funding and discover the power you and your friends have to change the world.

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What Makes Ando Different?

Tap below to discover how Ando is anything but your average bank.

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Banking Smarter

By adding money to your account, you’re instantly increasing your planet-saving powers.

Innovative Insight

With our easy-to-use app, we make (dollars and) sense of exactly how your money helps fight climate change.

Clean, Green Investments

Sustainable transportation, regenerative agriculture, clean energy—we only invest in what is good for our world.

A More Beautiful Tomorrow

Together we are actively reducing carbon emissions in favor of a better future for all.

Bank with Confidence

Highly Safe

Your deposits are FDIC insured up to $250,000 through Community Federal Savings Bank, member FDIC.

Highly Secure

Visa’s Zero Liability policy means you aren’t responsible for unauthorized purchases on your Ando debit card.⁵

Highly Supported

We’re here for you! Give us a call 7 days/week from 9 am to 9 pm EST at 1-844-960-3939 to speak to our Consumer Success Team.

Stay Connected to Our Climate

Learn how every transaction can be a positive action. Join our newsletter list now and discover how having a big impact on our environment (and your finances) can start with small changes.

Ando Inc. 8996 Miramar Road, Suite 310 San Diego, California 92126

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Banking services provided by Community Federal Savings Bank, member FDIC. The Ando Visa® Debit Card is issued by Community Federal Savings Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Please see the Ando User Agreement and Electronic Communication Agreement and Bank Spending Account Agreement for Terms and Conditions.

¹Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. ²Global Banks, Led by JPMorgan Chase, Invested $2.7 Trillion in Fossil Fuels Since Paris Climate Pact ³Fee-free withdrawals MoneyPass® ATMs. Out-of-Network cash withdrawal fees apply. Third-party and cash deposit fees may apply. ⁴Covered™ by Ando is an optional, no fee service that requires $500 in qualifying direct deposits to the Ando Spending Account each month. Coming soon, all qualifying members will be allowed to overdraw their account up to $20 on debit card purchases, but may be later eligible for a higher limit of up to $100 or more based on member's Ando Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Ando mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Ando’s discretion. Covered™ by Ando won't cover non-debit card purchases, such as ATM withdrawals, ACH transfers, Pay Friends transfers, or Ando Checkbook transactions. ⁵Your financial institution must be notified immediately of any unauthorized use. For specific restrictions, limitations, and additional details, please contact your issuer.

*For the referring Ando member (“Referrer”) to qualify and receive the $15.00 monetary referral reward and for the referred person (“Referred”) to qualify and receive the $15.00 referral bonus, all of the following conditions must be met and completed: (1) Referrer has an Ando account and is part of the referral reward campaign; (2) Referred has not previously opened a Ando account; (3) Referred opened a new Ando account using the Referrer’s unique referral link; and (4) Referred received in the new account a qualifying direct deposit of $100.00 or more and made five debit card transactions within 45 calendar days of opening the Ando account. The qualifying direct deposit must be made by the referred individual’s employer, payroll provider, or benefits payer by Automated Clearing House (ACH) deposit. Bank ACH transfers, Pay Friends transfers, verification or trial deposits from financial institutions, mobile check deposits, and cash loads or deposits are not qualifying direct deposits. Ando account holders may earn no more than $1000 in referral increase and may earn no more than $1000 in monetary referral rewards per calendar year (January 1, 2021 - December 31, 2021 and January 1, 2022 – December 31, 2022). Referral rewards will generally be provided within two (2) business days after all the above conditions are met. Referred individuals acknowledge that payment of any referral reward may result in the Referrer’s knowledge of the Referrer's establishment of a new Ando account. Ando reserves the right to cancel or modify the terms of any referral reward offer or terminate a member’s eligibility at any time with or without prior notice. Credits of $15 or more will be reported on tax form 1099-INT for new Ando account holder (Referred). Credits of $600 or more will be reported on tax form 1099-MISC for referring Ando account holders (Referrers).