Level was created to challenge the status quo in banking. A challenger bank and mobile banking app from the team that brought you Zero and pioneered the “debit-style” credit card curbing consumer overspending, Level was built to deliver a market-leading customer experience to an even broader audience. Our team is deeply dedicated to our mission of delivering a better way of banking — with a better app, better support, and better economics to the customer.

We’re a talented and diverse group of creative problem-solvers, who’ve built a next-generation banking product and design-forward app that pays you interest on your FDIC-insured deposits through Evolve Bank & Trust, Member FDIC, unlimited cash back on qualified purchases with your Plus or Premium membership, no overdraft fees or minimum balance requirements, and access to interest-free cash advances up to $500¹. Additionally, take advantage of ATM operator fee reimbursements worldwide (up to $4 per reimbursement), and the ability to get paid up to two days early². Powered by a highly-secure modern banking system built by a team of talented engineers and data scientists, Level comes with friendly and reliable service from our dedicated customer support team.

Team Level

Bryce Galen, Founder and Chief Executive Officer
Bryce Galen
Founder & Chief Executive Officer
“Level was built to challenge the status quo in banking and put an end to the era of big banks holding people’s money while giving them no interest, a clunky app experience, and frustrating customer service. Level is able to give customers dramatically better rewards and interest, a design-forward app, and superior customer support. Our goal is to revolutionize the way people engage with their finances on a daily basis.”
Bryce is founder and CEO of Zero, the company behind Level. Bryce was previously a Senior Product Manager at Zynga, where he led product development for Words with Friends and topped app store charts. Prior to that, Bryce worked for Fidelity Investments. He also founded and ran a business based in NYC that he grew to 55 employees and sold in a strategic acquisition.
Joel Washington
Founder & Chief Operating Officer
“Level is the ultimate option for those who don’t want to make any sacrifices when it comes to their own money. If you’re one of the hundreds of millions of Americans who have wondered whether there’s a better alternative to what antiquated big banks offer, I’m excited to introduce you to Level. It’s time that banks actually keep up with customer wants and needs, not the other way around.”
Joel is founder and COO of Zero, the company behind Level. He previously founded Shift, a disruptive car sales marketplace that has grown to several hundred people, become the leading seller of cars in the San Francisco Bay Area, and has raised money from Goldman Sachs. Business Insider recently named Shift one of the 25 hottest San Francisco startups to watch in 2016. Prior to that, Joel worked at Comcast Ventures and The Boston Consulting Group.
Joel Washington, Founder and Chief Operating Officer
Evan Kimia, Chief Technology Officer & Founding EngineerEvan Kimia
Chief Technology Officer & Founding Engineer

As the founding engineer and CTO, Evan is charged with building a world class mobile app, website, and back end. He is an experienced engineering leader with nearly a decade of professional experience building technology products from the ground up. As a mobile and product engineer at Postmates for two years, he built many fundamental features of the Postmates mobile apps, helped to hire and scale their engineering team, and worked with the CEO, product and business leads to ensure the company was focused on optimal objectives. He also previously worked as a senior software engineer at Zynga.

Ailien Phan, Chief Compliance OfficerAilien Phan
Chief Compliance Officer

Ailien spent the last 15 years developing and implementing compliance risk governance frameworks and programs at organizations ranging from large complex banks (Silicon Valley Bank and Bank of the West) to fast-growing financial technology startups (Affirm, Inc. and Upgrade, Inc.).

Robert Rodden, EVP, CreditRobert Rodden
EVP, Credit

Robert is in charge of managing credit risk. With over 10 years of credit risk management experience in unsecured consumer credit cards, Robert has previously worked for Wells Fargo in varying positions including Vice President of Decision Sciences.

Eric Land, Director of ProductEric Land
Director of Product

As the Director of product management, Eric is responsible for building great experiences for our customers and growing our business. Eric joined from Capital One where he worked on the credit card acquisitions growth team. Previously, he worked on underwriting analytics for several of Capital One's customer management programs.

Dalton Perdue, Senior Infrastructure EngineerDalton Perdue
Senior Infrastructure Engineer

Dalton is a technology enthusiast; he has a wealth of experience in building agile infrastructures to assist businesses in meeting their customers’ expectation of an always-on experience. Limitations on traditional banking recently ensnared him, and Level offered an exciting solution by putting the whole experience in the palm of your hand. Dalton has been an advocate of containerization and the agility afforded by the concept; he has helped build platforms for companies such as Apple, Stitchlabs and SigFig.

Will Marshall, Software EngineerWill Marshall
Software Engineer

Will is a senior backend engineer from IBM's data streaming and cloud integration team. Will is a founding member of Apache Edgent, and contributed heavily to the IBM Streams data processing framework. His interest in data science and finance was sparked after being involved in the cryptocurrency ecosystem, and is excited to help build a banking experience from the ground up.


We’re a team of technologists with deep financial expertise, backed by some of the world’s most notable investors.

In the press

Our other product, Zero, has been very well received by the press. We strive to further raise the bar with Level.


Level, a challenger bank and banking app offers 1% cash back on debit card purchases, 2.1% APY on deposits, early access to paychecks and no fees.

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The app itself has a clean, modern almost minimalist design, making it simple to understand and navigate.

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Overall, Zero’s design feels clean and simple, compared to the cluttered and dated apps from traditional banks.

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New York Times

You can have an elegant app that tells you exactly how much money you have and keeps you from spending any more. You can have a checking account that seamlessly pays off that credit card with no late fees or interest, ever. You can get a generous cash-back reward—up to 3 percent, a better overall offer than almost any credit card. All that, in one package.

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Wall Street Journal

Credit card purchase rewards are nice—if you don’t incur fees. That’s where financial startup Zero sees an opportunity. Zero is developing an app and a card that behaves like a debit card but earns credit card rewards.

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New York Times

Shiny start-ups that focus on everyday finance are everywhere these days, but Zero Financial is one I’ll be watching closely.

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Because Zerocard processes on credit card networks, it makes it easier to pay customers a consistent cash back rate between one and three percent, for all purchases.

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Say hi.

San Francisco (HQ)

230 California St., Suite 500
San Francisco, CA 94111

Walnut Creek (Operations & Support)

1220 Oakland Blvd., Suite 350
Walnut Creek, CA 94596


65 Queen St. W., Suite 520
Toronto, ON, M5H 2M5

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