Tarn is one calm account for spending and saving — 4.30% APY on every dollar, no minimum balance, no overdraft trap, and your paycheck arriving up to two days early.
The national savings average is 0.42%. Tarn pays 4.30% on your entire balance — no tiers to unlock, no promo rate that expires, no balance you have to babysit.
Checking and high-yield savings in a single balance. Tarn moves the money, catches the fees, and rounds up the change — so you don't have to think about any of it.
Carve your balance into named vaults — Rent, Travel, Emergency. Each one earns the full 4.30%, and you can automate a slice of every paycheck into them.
We post your direct deposit the moment the payment file arrives — typically two days before payday. No advance, no fee, no interest.
Round every card purchase up to the next dollar and drop the difference into a vault. The average member quietly saves $312 a year this way.
Spending is auto-categorised and summarised each Sunday — no spreadsheets, just a sentence: "You spent $84 less on coffee than last week."
Tarn is a financial technology company; banking services are provided by our partner banks, Members FDIC. Your deposits are insured up to $3,000,000 through our sweep network — far past the $250K single-bank limit.
Freeze and unfreeze your card from the home screen — purchases stop the moment you tap.
Face or fingerprint by default; passwords are optional and never reused across sessions.
A push the instant something looks off — confirm or deny with one tap, before it clears.
Every plan earns 4.30% with no fees. You only pay if you want extra cash-back and a metal card — never to keep your own money.
Everything you need to bank without thinking about it.
For people who spend on the card and want it to give back.
For households consolidating their whole financial life.
"I moved my emergency fund over on a Sunday and earned more in the first month than my old savings account paid me all of last year. The math just wasn't close."
"The early paycheck is the feature I didn't know I needed. Rent posts on the 1st, my pay lands on the 30th, and I've never paid a late fee since. The vaults handle the rest."
"I called the fraud line at 2am after losing my wallet abroad. A real person froze the card in seconds and shipped a replacement to my hotel. That's worth more than any rate."
Still unsure? Our support team is humans in the US, reachable by chat or phone 24/7 — most accounts are open and funded inside ten minutes.
No. It's the standard rate on every Everyday and Plus account, applied from your first dollar with no promotional window and no minimum balance. The APY is variable and tracks the federal funds rate, so it can move up or down — but it's never a limited-time hook, and we post any change in-app two weeks before it takes effect.
Tarn isn't a bank — it's a financial technology company. Your deposits are swept across a network of partner banks, each a Member FDIC, so a single balance is insured at multiple institutions up to a combined $3,000,000. You can see exactly which banks hold your funds, and in what amounts, in the app at any time.
Employers submit payroll files to the ACH network ahead of payday. Most banks hold those funds until the official settlement date; Tarn posts them the moment the file lands — usually two business days early. It's not an advance or a loan, so there's no fee and nothing to repay. Timing depends on when your employer submits.
For eligible accounts with regular direct deposit, we cover overdrafts up to $200 at no fee through our Coverage feature — the shortfall is simply repaid from your next deposit. Otherwise the transaction is declined at no charge. We never charge the $35 overdraft fee legacy banks rely on.
Yes. Reserve includes joint accounts with up to four sub-cards and shared vaults, so a household can split rent, save toward a shared goal, and see a single balance. Each cardholder keeps their own login, biometrics, and individually configurable spend limits.
Opening an account takes about four minutes, switching your direct deposit is a single tap, and there's never a fee to leave. Your first interest payment lands on the 1st.