Our services

Everything your money needs, in one place.

From your first checking account to your first home loan — Ascent Peak Bank covers everyday banking, payments, credit and support.

Checking accounts

Everyday banking with a full account number, instant card access, and no monthly maintenance fees.

4.5% APY

Grow your money with a competitive 4.5% APY, no minimum balance and free transfers between your accounts.

Purpose-built for founders and freelancers: separate finances, higher limits and 3.25% APY on idle cash.

A photorealistic virtual card with instant freeze, spending limits, regional controls and changeable PIN.

Send money to friends with Zelle or move it between banks with same-day and standard ACH options.

Reach any bank in the US or 180+ countries with transparent fees and full beneficiary tracking.

Apply in-app

Personal, auto, home, business and student loans with fixed rates, no prepayment penalties and fast human review.

Automatic spending breakdowns by category, month-over-month trends and income vs. outflow at a glance.

Scan to pay merchants and friends instantly — no account numbers to type, no mistakes.

Snap the front and back of a check and deposit it in seconds, with funds availability shown upfront.

Biometric sign-in, transfer PINs, admin-reviewed transfers and instant card freeze keep your money safe.

Chat with a real support specialist any time from the app — no bots standing between you and answers.

Open a checking account in minutes — add savings or business whenever you're ready.