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Accounts
Offer configurable business and consumer accounts—checking, savings, interest or non‑interest, digital wallets, and sweep options—built for everything from enterprise operating accounts to kids’ savings.
Built for Real-World Money Management
Flexible Accounts for Every Customer
Design distinctive financial experiences with spend, save, and wallet accounts—FDIC‑insured with your bank partner and configurable for your use case. Support multi‑tier account structures plus seamless funding and on‑platform movement.
Multi‑Tier Structures: Create parent/child, corporate/team, and many other primary/sub‑account setups for your use case.
Customizable Account Types: Offer checking, savings, and wallet accounts—interest or non‑interest bearing—tailored to your customers’ needs.
Smarter Money Management: Sub‑accounts for envelopes or projects, A2A transfers for easy movement, and optional interest to encourage saving.
Developer-Ready
Programmatic Accounts at Scale
Our Accounts API is designed for speed and control—open, configure, and close accounts at scale with just a few calls. Use consistent objects, idempotent requests, and webhooks to build reliable flows from onboarding to ongoing account management.
Create & Configure with Minimal Code
Spin up checking, savings, and wallet accounts—with limits, permissions, and labels—using straightforward API calls.
Operate at Scale
Bulk open/close accounts, create sub‑accounts, and automate A2A movements with reliable idempotency and audit trails.
Integrate Seamlessly
Use webhooks for status changes and balances, and export ledgered activity for reconciliation and analytics.
Where It Fits
Use Cases
Accounts power a wide range of experiences—from simple savings to complex business operations.
Business Operating Accounts
Give SMEs a primary operating account with sub‑accounts for taxes, payroll, and projects—plus A2A rules and user roles.
Consumer Saving & Wallets
Offer spend/save wallets, round‑ups, and interest‑bearing options to promote saving and goal tracking.
Sweep & Treasury Programs
Support sweep structures for cash management and liquidity—while maintaining clear ownership and reporting.
Family & Youth Banking
Enable parent‑owned youth accounts with spend controls and ability to support real‑time alerts, and chore/allowance sub‑accounts..
Security & Compliance
Bank-Grade Protections, Built In
Security and compliance are embedded—from onboarding to ongoing account activity.
FAQs
Frequently Asked Questions
What does this division of Legend Bank do?
We help companies—whether you’re a startup, an established fintech, or a non-financial brand—embed financial solutions like payments, accounts, and cards directly into your products and services.
How can I learn more?
Fill out our contact form, and our team will follow up to schedule an introductory call.
What is CaaS?
Compliance-as-a-Service supports businesses with or without in-house compliance teams. We provide expertise, oversight, and tools to help you build, refine, and maintain a strong compliance program while ensuring alignment with regulatory standards.
Who is this for?
Our solutions are designed for startups creating new products, established fintechs seeking a direct banking partner, and non-financial brands looking to add financial services for their customers. We serve both business and consumer sectors, helping companies of all sizes innovate and grow.
Looking for personal or business banking?
If you’re here for traditional banking—like opening a checking account, applying for a loan, or logging into online banking—visit legend.bank.
