Get past the next obstacle.
Answer four questions for a three-step account plan, a call script, and a checklist.
Build my account plan →Financial access. A stronger start.
A clearer path to everyday banking.
A place to start, wherever you are. Connect with affordable account options, local support, and tools to take your next step with money.
Free resources for individuals, families, and communities.
Not sure where to start? Find your next step →Start here
Looking for a bank account?
Explore the CFE Fund’s official directory of Bank On certified accounts at banks and credit unions.
Find a certified account (opens in a new tab or window)Takes you to joinbankon.org, the official Bank On website.Find a local Bank On coalition (opens in a new tab or window)
Look for financial-access support in your community.
Independent guidanceOfficial resourcesNo account application here
Useful today. Free to use.
A little clarity.
A practical next step.
Prepare for an account, plan until payday, or get ready for your first paycheck.
See the days before payday.
Put dates next to your income and bills to spot possible shortfalls before the next paycheck.
Try the payday planner →Make the first paycheck count.
Prepare payroll questions, review your pay, and use a printable toolkit for a new job.
Open the first-paycheck toolkit →Our reason for being
Access is where opportunity begins.
BankOnUSA.org is stewarded by Bill Mills, a participant in the original U.S. Treasury Bank On USA cohort. That experience informs a simple purpose: help more people find a useful next step toward financial stability.
Today, we’re an independent resource that points people to the CFE Fund’s Bank On network and other trusted educational resources.
Read our storyFor banks & credit unions
Help open more doors.
Support free financial-access resources through an annual sponsorship.