Sum — a ledger-first money app
Every fee, every rate, every rounding — printed on your ledger like a receipt you can actually read. Spend, save and invest from one account, with the arithmetic in plain sight.
✓ ~4 minutes · ✓ no credit check · ✓ $0 to start
01 — The account
Most money apps are five products in a trench coat. Sum is one account where spending, saving and investing share a single running ledger — so you always know what you have, what it earns, and what it costs.
A checking account with a number you can trust. No monthly fee, no minimums, no “maintenance”. Get paid up to two days early, and see the true cost of every transaction — including the ones that cost nothing.
Monthly account fee. Also our overdraft fee, card fee, and inactivity fee. We print zeros too.
Every dollar in your account earns 4.10% APY from day one — no tiers, no “up to”, no 3-month teaser. Interest accrues daily and lands on your ledger as its own line, with the calculation attached.
Vaults split your balance into named goals; round-ups and payday rules fill them while you sleep.
Variable rate on all balances as of Jul 2026. The national big-bank average is 0.01%.* Yes, we checked.
Auto-invest into diversified index portfolios for a flat 0.15% a year — the whole fee, not the visible part. No payment for order flow, no spread games, no “premium data” upsell. The fee line sits right on your ledger, monthly.
All-in advisory fee. On a $10,000 portfolio that is $15 a year — printed as “$1.25/mo · here’s why”.
One card for the whole account. Zero FX markup abroad, instant freeze from the app, and a monthly “receipt of receipts” that itemizes what your card cost you. Spoiler: usually a row of zeros.
We pass through the wholesale exchange rate, worldwide. See it side-by-side with the rate your old bank would have used.
02 — The math
Slide to your average balance. We’ll do the arithmetic the way we always do it: in public.
Assumes a typical big-bank checking account: $12/month maintenance fee and 0.01% APY, vs. Sum at $0/month and 4.10% APY. Rates variable; illustration, not advice.
That’s the work. We show it on this page, in the app, and on every statement — because a number without its math is just marketing.
03 — The card
The Sum card is engraved with the only number most cards hide: what it costs. Freeze it right here — the same tap you’d use in the app.
04 — The vault
Radical transparency about fees only works if we’re boringly conservative about everything else. Here is exactly how your money is held and guarded.
Cash is held at our chartered partner bank and covered by federal deposit insurance up to $250,000 per depositor, subject to program terms.
Investments sit in your name at a regulated custodian, segregated from Sum’s own accounts. If we vanished tomorrow, your money wouldn’t.
256-bit encryption everywhere, hardware-backed keys, and biometric or passkey sign-in by default. Passwords are so 2019.
Independent auditors test our controls every year — and the summary of findings goes on the ledger page, like everything else.
Freeze cards, cap categories, and kill any connected app’s access in one tap. You hold the switches, not support tickets.
Real-time anomaly monitoring on every transaction, 24/7 human escalation, and $0 liability for unauthorized card charges.
05 — Marginalia
Pulled from verified member reviews in the app — the kind people write when nobody is holding a gift card.
The first statement made me laugh out loud. It literally shows the interest formula. My old bank showed me a cartoon of a piggy bank.
I moved my emergency fund on a Tuesday. By Friday the ledger showed $4.12 of interest and exactly how it got there. Sold.
Two weeks in Lisbon, forty card payments, zero FX surprises. The trip receipt showed the markup line: $0.00, forty times.
Figures from Sum’s member panel & app metrics, June 2026. Reviews shared with permission; last names withheld.
06 — The price
No “contact sales”, no fee schedule PDF from 2019. This is the entire price list.
The whole honest account. For almost everyone.
forever · no minimums · no catches on p.2
For households and the seriously organized.
billed monthly · cancel anytime, mid-coffee if you like
Switching down (or leaving) takes two taps and your money comes with you. Exit fee: $0.00 — printed, naturally.
Open your Sum account in about four minutes. Bring your balance; we’ll bring the arithmetic.
✓ No credit check · ✓ Deposits insured to $250k via partner bank · ✓ Leave anytime, fee: $0.00