Level offers one of the only debit cards with unlimited cash back on signature-based debit card purchase transactions¹ as well as 0.50%APY² on an interest-bearing deposit account. Enjoy a beautifully designed app built by a tech company, not a bank, with friendly and responsive customer support. We offer Plus and Premium membership levels with their own unique benefits.
Level does not charge overdraft fees, maintenance fees, minimum balance fees, foreign transaction fees, and add-on ATM fees. In fact, if you use your Level Debit Card and the ATM owner charges you a fee, we will reimburse you for those fees, up to $4 per reimbursement (three times a month for Plus and five for Premium). Learn more about Plus and Premium membership below.
Sometimes you just want cold hard cash, and we think you shouldn’t be charged for that. Use your Level Debit Card at any ATM worldwide that accepts Visa. If the ATM owner charges you a fee, Level will reimburse you up to $4 per reimbursement (three times a month for Plus and five for Premium).
We sure do. The Visa Zero Liability policy ensures you will not be responsible for unauthorized charges on your Level Debit Card if you use reasonable care in protecting your card from loss or theft and you promptly report the loss or theft to Level.
Please refer to the Level Bank Account Agreement for more details.
Yes, rest assured your money is safe and secure. Level Bank Account deposits are insured up to $250,000 by Evolve Bank & Trust, Member FDIC.
You sure can. Level is compatible with both Apple Pay and Google Pay. To get started, simply follow your digital wallet’s instructions to add a new card.
As soon as your Level Debit Card transactions post, your cash back will become available for redemption anytime with just a tap and a swipe from the Main Menu of the Level app. Redeem your cash back as often as you’d like.
Yes, Level offers early access to direct deposit funds which depends on the timing of the payer’s submission of deposits. We generally post such deposits on the day they are received, which may be up to 2 days earlier than the payer’s scheduled payment date.
You sure can. You can link Level to Venmo, Cash App, Zelle, and PayPal.
You bet! Easily cash out your earnings from third-party apps like Lyft and DoorDash directly to your Level Bank Account. Refer to your third party apps for instructions on how to link your Level Bank Account. Everything you’ll need from us can be found in the Main Menu of the Level app.
No, cash or check deposits are not currently accepted. Stay tuned for product updates.
No, joint accounts are not currently offered.
Transactions that are not signature-based purchase transactions (e.g., PIN-based transactions), foreign transactions, ATM withdrawals, point-of-sale cash back, account transfers, cash equivalents and other similar transactions may not be eligible for cash back.
Please refer to the Level Bank Account Agreement for more details.
All debit card transactions are processed in one of two ways. Sometimes this depends on the merchant’s point-of-sale setup, but usually you can make a choice at the register to pay using:
There’s an easy way to remember the difference: It’s any time you do NOT enter your PIN.
Cash back only applies to Qualified Purchases made using your Level Debit Card and does not apply to ACH or ATM transactions. See the Level Bank Account Agreement for more details on qualified spend. See “Which transactions are not eligible to earn unlimited cash back?”.
Perks are an awesome way to earn additional cash back at select merchants. With Perks, you can earn additional rewards on top of your unlimited cash back on online and signature-based purchases. Simply open up the app, navigate to the Main Menu, and tap “Perks” to view active offers.
Premium members are entitled to Exclusive Merchant Perks and Plus members can access Limited Merchant Perks.
Premium and Plus members can redeem cash back earned through Perks as soon as the transaction posts to your account, and as often as you’d like. Redeem your Perks rewards the exact same way you’d redeem regular cash back rewards.
Nope, they are applied automatically, but we recommend enabling push notifications to make sure you’re always on top of available and upcoming offers (to plan your spending sprees accordingly)!
Check out the “Perks” screen in the Main Menu of the Level app to see active offers and learn more.
Unfortunately, no. You can only earn rewards on active perks during the offer period.
Cash advances offered through your Level Bank Account is an optional, no fee service. We do not charge any interest or fees for cash advances; however, you must be enrolled in Plus or Premium membership which has monthly membership dues. To be eligible for cash advances, you must receive direct deposit(s) in your active Level Bank Account. All cash advances must be repaid in full within 15 calendar days. See the "Cash Advance Terms and Conditions" section of the Level Bank Account Agreement for more information.
You can receive up to $500 per cash advance.
No. Cash advances offered through your Level Bank Account is an optional, no fee service. We do not charge for any fees or interest for cash advances but you must be an active Plus or Premium member.
Cash advances must be repaid in full within 15 calendar days. See the Level Bank Account Agreement for more information.
Level’s Money Making Machine Sweepstakes is a fun and interactive way to win up to $1,000 daily. Earn a spin every day by performing a qualifying action in your Level Bank Account and spin the wheel for a chance to win big.
Level Plus or Premium members can earn a spin daily when they perform one of the following qualifying actions: receive a deposit of $1.00 or more into their Level Bank Account or make a purchase with their virtual or physical Level Debit Card.
Alternatively, individuals that are not eligible for automatic entry can send a postcard to earn a mail-in entry spin. Instructions for mail-in entry are provided within the Official Rules and all requirements must be met in order for postcards to be considered valid entries.
You can earn one (1) spin per day during the Sweepstakes Period by performing a qualifying action or submitting a mail-in entry.
Each spin has the chance to win up to $1,000! The more spins you rack up, the more chances you have at winning big.
Spins will become available soon after you’ve completed a qualifying action. Transfers or purchases in pending status will need to post to your account in order to be qualified.
The amount won should be credited to your Level Bank Account right away. The prize amount will show in your transaction history as “Money Making Machine.”
Spins expire 30 days from the date they’re earned.
The sweepstakes period resets daily, starting at 12:01 AM PT and ends 11:59 PM PT.
A prize can only be credited to a Level Bank Account. You’ll need to apply and be approved for an account in order to receive the amount won. Before applying for an account, read through the Official Rules about how to claim your prize to ensure you’re eligible to accept your prize.
You can view the Official Rules here.
Level Premium members enjoy special benefits that take their everyday banking experience to new heights. For $15 per month, Premium members earn 1.5% cash back on online and signature-based purchases, without any direct deposit requirements. They will have access to Exclusive Merchant Perks, a $1,000 ATM withdrawal limit, five ATM fee reimbursements per calendar month (up to $4 per reimbursement), access to the cash advance feature, all while enjoying VIP customer support.
Please email us at support@levelbank.com to enroll or you can send us a message through the Level app.
Simply make a qualifying online or signature-based purchase. Once your qualifying purchase is posted to your account, you’ll earn the cash back rewards.
You can redeem your Premium cash back as soon as the transaction posts to your account, and as often as you’d like. Redeem your Premium cash back by navigating to the Main Menu in the Level app, tapping Redeemable Rewards, then swiping up to redeem.
Monthly Premium dues are collected as soon as you have enrolled for Premium. Dues will be debited from your Level Bank Account or external connected account that you authorize on the same day each month while you are enrolled. If you enrolled on the 29th, 30th, or 31st of the month, subsequent debits will be processed on the 28th day of the month.
Please email us at support@levelbank.com to unenroll or you can send us a message through the Level app.
No problem! Your Premium rewards will continue until the next billing cycle.
No, Premium dues are non-refundable.
No, not at this time.
Yes. Cash advances offered through your Level Bank Account is an optional, no fee service. We do not charge any interest or fees for cash advances; however, you must be enrolled in Plus or Premium membership which has monthly membership dues. To be eligible for cash advances, you must receive direct deposit(s) in your active Level Bank Account. All cash advances must be repaid in full within 15 calendar days. See the "Cash Advance Terms and Conditions" section of the Level Bank Account Agreement for more information.
Level Plus members enjoy special benefits that take their everyday banking experience to new heights. For $5 per month, Plus members earn 1.0% cash back on online and signature-based purchases, without any direct deposit requirements. They will have access to Limited Merchant Perks, a $500 ATM withdrawal limit, three ATM fee reimbursements per calendar month (up to $4 per reimbursement), access to the cash advance feature, all while enjoying awesome message-based customer support.
Please email us at support@levelbank.com to enroll or you can send us a message through the Level app.
Simply make a qualifying online or signature-based purchase. Once your qualifying purchase is posted to your account, you’ll earn the cash back rewards.
You can redeem your Plus cash back as soon as the transaction posts to your account, and as often as you’d like. Redeem your Plus cash back by navigating to the Main Menu in the Level app, tapping Redeemable Rewards, then swiping up to redeem.
Monthly Plus dues are collected as soon as you have enrolled for Plus. Dues will be debited from your Level Bank Account or an external account you authorize on the same day each month while you are enrolled. If you enrolled on the 29th, 30th, or 31st of the month, subsequent debits will be processed on the 28th day of the month.
Please email us at support@levelbank.com to unenroll or you can send us a message through the Level app.
No problem! Your Plus rewards will continue until the next billing cycle.
No, Plus dues are non-refundable.
No, not at this time.
Yes. Cash advances offered through your Level Bank Account is an optional, no fee service. We do not charge any interest or fees for cash advances; however, you must be enrolled in Plus or Premium membership which has monthly membership dues. To be eligible for cash advances, you must receive direct deposit(s) in your active Level Bank Account. All cash advances must be repaid in full within 15 calendar days. See the "Cash Advance Terms and Conditions" section of the Level Bank Account Agreement for more information.
Applying is really easy and takes less than 2 minutes on your mobile or desktop device. You must be at least 18 years old (19 if you live in Alabama or if you’re a ward of the state in Nebraska) and will need to provide your full legal name, U.S. physical address, date of birth, tax identification number (e.g., Social Security number), phone number, and email address. Have your U.S. government-issued photo identification ready if you want a physical Level Debit Card.
Yes, as long as you reside at a physical address in one of the 50 U.S. states and have a U.S. tax identification number (e.g., Social Security number), you can apply for Level.
No, you must have a physical address in one of the 50 U.S. states to apply for Level.
We recognize that many people who don’t reside in one of the 50 U.S. states would like to become Level customers and we would like to become available to you someday. However, laws governing banking products and services in areas outside the 50 U.S. states vary widely and can impose additional requirements that we may not currently fulfill.
Not at the moment.
We’re glad you asked. Click here to instantly apply online, or here to download the Level app and apply.
Level is a challenger bank and mobile banking app that provides next-level banking for modern consumers consisting of an app, a cash back debit card called Level Debit Card, and an interest-bearing deposit account called Level Bank Account, offered through Evolve Bank & Trust, Member FDIC. Level is a product of Zero Financial, Inc., the company that developed Zero, and pioneered the first “Debit-style” credit card to help curb consumer overspending. Zero Financial, Inc. is backed by prominent Silicon Valley venture capital investors including New Enterprise Associates (NEA), SignalFire, Eniac Ventures, and Nyca.
Our business model is based on the belief that if we make less money per customer and do the right thing, word about our products will spread naturally, keeping marketing costs down and making everyone happy. If you love using Level, help us out by spreading the word so we can continue bringing you market-leading products and economics. Thanks so much!
Level itself is not a state or federally chartered bank, however, we offer banking services through our partnership with Evolve Bank & Trust, Member FDIC. Evolve Bank & Trust holds all deposits in the Level Bank Account and is the issuer for the Level Debit Card, pursuant to a license from Visa U.S.A. Inc.
We currently support iOS and Android. In order to access and use the Level Bank Account, you must have an Apple iPhone running iOS version 11.0 or higher, or an Android device running Android 6.0 Marshmallow with access to the Google Play Store.
iPhone and Apple Pay are registered trademarks of Apple Inc.
iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license.
Android is a trademark of Google LLC.
We are dedicated to protecting your personal information and informing you about how we use it. Our current Privacy Policy is available here.
Level encrypts personal data to meet and exceed banking industry standards. We have comprehensive security policies, extensive security training across the company, and external auditing of our security practices to keep your data safe and secure at all times. We are PCI-DSS v3.1 compliant and apply PCI standards when dealing with any sensitive information. The use of this site is governed by our Privacy Policy and Terms of Use. By using this site, you acknowledge that you have read these disclaimers and policies and that you accept and will be bound by their terms.