Premium Savings Account
A high-yield savings account with no minimum balance and no monthly fees, swept into FDIC-insured deposits.
- No monthly account fees
- Up to $500,000 FDIC coverage
- Same-day transfers to brokerage
Enterprise-grade custody
Your secure gateway to smarter investing
VaultX — Simple. Powerful. Secure. Invest, trade, bank and plan for retirement in one account, with the vault handling the rest.
- $0
- Stock & ETF commissions
- 4.25%
- Premium Savings APY
- 24/7
- System health monitoring
One vault, every asset
Equities, funds, crypto, bonds and cash
Every position and every dollar of cash tracked in a single balance sheet.
- Optional two-factor authentication
- JWT sessions with role-based access
- Immutable admin audit logs
- Responsive on phone, tablet and desktop
Make the most of your cash
Fully integrated bank accounts from VaultX Private Bank, National Association, Member FDIC — sitting right beside your portfolio.
Max-Rate Checking
Full-featured checking built for investors, with unlimited ATM fee refunds and no transaction limits.
- Unlimited ATM fee refunds
- Free debit card and checks
- Bill pay and mobile deposit
Certificates of Deposit (CDs)
Lock in a fixed return with brokered and bank CDs across terms from six months to five years.
- Terms from 6 to 60 months
- Ladder builder included
- Automatic renewal options
Line of Credit
Access liquidity without selling positions by borrowing against eligible portfolio assets.
- No setup or maintenance fees
- Draw and repay on your schedule
- Keep your strategy invested
Invest in what moves you
Stocks, options, mutual funds, ETFs, futures, bonds and crypto — all from one order ticket.
Stocks$0 commissionTrade listed U.S. equities and ADRs with real-time quotes and extended-hours sessions.Options$0.50 per contractSingle and multi-leg strategies with live max risk, breakeven and probability analysis.Mutual Funds4,400+ NTF fundsNo-load, no-transaction-fee funds with automatic investing and dividend reinvestment.ETFs$0 commissionThousands of ETFs across sectors, factors and geographies with side-by-side comparison.Futures$1.50 per contractEquity index, energy, metals and rates futures including micro contracts, nearly 24/6.Bonds & CDs$0 online TreasuriesTreasuries, municipals, corporates and brokered CDs with a built-in ladder builder.CryptoTransparent spreadSpot exposure to major digital assets held in segregated, audited custody.
Platforms that adapt to how you trade
VaultX Platform
A clean, guided experience for research, order entry and portfolio tracking on web and mobile.
- Streaming quotes and interactive charts
- Research, ratings and screeners
- Watchlists synced across devices
- Goal tracking and performance reporting
Power VaultX Platform
A dense, configurable trading desk with ladders, options chains and risk analytics in one grid.
- Level II depth and time & sales
- Options chains with strategy builder
- Custom layouts, hotkeys and alerts
- Backtesting and technical studies
Bring your old 401(k) into the vault
Link a 401(k), Roth 401(k), 403(b), 457(b), Thrift Savings Plan or SIMPLE IRA from a former employer, track it beside your portfolio, and request a trustee-to-trustee rollover into a VaultX Rollover IRA or Roth IRA.
- Track every plan balance in one net-worth view
- Trustee-to-trustee transfers keep tax-deferred status
- Choose keep, roll over or convert — change it anytime
- Guidance on fees, investment options and creditor protection
Deepen your knowledge
Trading, investing, retirement planning and more — taught in short lessons you can finish between market sessions.
Browse educationAwards and Recognition
- Best Online Broker — Financial Review, 2026
- #1 in Mobile Trading — Markets Monitor, 2025
- Best for Options Traders — Traders Digest, 2025
- Top Rated Customer Service — Client Voice Awards, 2026
BeginnerInvesting basicsAccounts, order types, diversification and how markets actually clear.14 lessonsIntermediateTrading strategyTechnical setups, position sizing, risk limits and trade journaling.22 lessonsAdvancedOptions educationGreeks, spreads, volatility, assignment and adjustment mechanics.18 lessonsAll levelsRetirement planningContribution limits, rollovers, withdrawal sequencing and taxes.11 lessons
Crypto & payments
Verified payments, non-custodial crypto, zero surprises
Fund your VaultX cash balance instantly with a card, Apple Pay or Google Pay — tokenised end to end, so your card number never touches our servers. Track Bitcoin, Ethereum and ERC-20 balances from wallets you control: VaultX stores the public address only, never a key or seed phrase.
Tokenised card & wallet deposits
Visa, Mastercard, Apple Pay and Google Pay, processed by a PCI-DSS Level 1 provider. VaultX receives a token, never your PAN.
Non-custodial crypto view
Connect a browser wallet or paste an address. Balances stream from public blockchain nodes; every transaction is signed by you.
Verified identity in minutes
Bank-grade document and liveness checks run inside our identity provider's encrypted session. We keep the result, not your documents.
Digital assets are not securities, are not FDIC or VaultX-insured, and may lose value. VaultX does not take custody of crypto assets and does not transmit money on your behalf.
Built for trust from the first deposit
Vaulted by design
Encrypted storage, hashed credentials and HTTPS-only transport for every request.
Trade with clarity
Equities, options, funds, ETFs, futures, bonds and crypto with transparent pricing.
Never miss a move
Price alerts and in-app notifications for fills, triggers and system updates.
Ready when you are
The first account created becomes the platform administrator.