From everyday checking to long-term savings and investments, Lumina Vault gives you the tools, rates, and support to build lasting financial security.
$0
Monthly fee
Your everyday account, elevated.
Zero monthly fees, unlimited transactions, and real-time alerts. Includes a premium debit card with worldwide acceptance and zero foreign transaction fees.
4.85%
Annual Percentage Yield
Put your money to work.
Earn a market-leading APY on every dollar you save. No minimum balance required. Funds are always accessible with same-day transfers to your checking account.
12.4%
Avg. portfolio return (2025)
Grow wealth with expert guidance.
Access diversified portfolios managed by our investment team. Choose from conservative, balanced, or growth strategies aligned to your risk tolerance and timeline.
Manage your money anytime via our secure online portal or mobile app — transfers, statements, and support always available.
Every personal client is assigned a named relationship manager who knows your financial picture and is reachable by phone or email.
Bank-grade security protects every login, transfer, and transaction. Two-factor authentication is enabled by default.
All deposits are insured by the FDIC up to $250,000 per depositor, per ownership category.
We publish every fee upfront. No overdraft traps, no surprise charges — just transparent, honest banking.
Move money between your Lumina Vault accounts instantly, 24 hours a day, 365 days a year.
The entire application takes under 5 minutes. No branch visit required.