Eco: Spend. Send. Save. Earn. app for iPhone and iPad

Eco has one goal: to make your money work for you.

Eco is not a bank, checking account, or credit card. Instead, it’s one simple balance that lets you spend, send, save, and make money—all in one place.

Earn up to 5.00% APY* rewards on your balance, plus Eco Points—the world’s first open rewards currency. And earn even more Points whenever and wherever you spend your money by using your Eco Card and Eco Bill Pay.

Plus, earn 5% cash back at Amazon, Uber, Doordash, and more on in-app purchases.

For the first time, visualize the past, present, and future value of your money with the Eco helix.

The old money model no longer works. It’s time for Smart Money that lets you


* Terms and eligibility requirements apply. See Ecos User Agreement for more details. The Annual Percentage Yield ("APY") rate of up to 5.00% is effective as of July 12, 2023. No minimum balance is required for base 4.00% APY. Certain conditions will apply for new users to increase their interest rate to 4.50% or 5.00% APY. Eco is a financial technology company and is not a bank. Banking services provided by Ecos bank partner, Piermont Bank, Member FDIC. Deposits at Eco are FDIC-insured through our bank partner.