Bitcoin-Native Banking & Neobanks in the US
No US bank is Bitcoin-only, but several apps now replace a checking account for Bitcoiners: Fold (cards, direct deposit, sats rewards), Strike (paycheck-to-Bitcoin, bill pay, lending), Cash App (paycheck conversion, Lightning), River (interest on cash, business accounts), and Unchained (custody plus loans and IRA). Xapo Bank is a Gibraltar bank with limited US availability; Bakkt has pivoted toward institutional services. Last verified September 2026. Listings are neutral and unranked; not financial advice.
Bitcoin banks: 7 listings
- Fold — Debit and credit cards paying sats, direct deposit, Bitcoin buying, and a public-company balance sheet. custodial, Bitcoin-only.
- Strike — Direct deposit that converts a percentage of pay to Bitcoin, global Lightning payments, and loans. custodial, Bitcoin-only, Lightning.
- Cash App — Mainstream app with paycheck-to-Bitcoin, Lightning, and a Cash Card. custodial, multi-asset, Lightning.
- River — Interest paid in Bitcoin on cash balances, zero-fee recurring buys, business accounts. custodial, Bitcoin-only, Lightning. US availability: Not in New York or Nevada.
- Unchained — Custody, loans, IRA, and trading desk under one roof; keys stay in your multisig. collaborative custody, Bitcoin-only.
- Xapo Bank — Gibraltar-licensed bank with USD accounts and Bitcoin. Verify US eligibility before applying. custodial, Bitcoin-only. US availability: US availability limited; confirm directly.
- Bakkt — Publicly traded crypto infrastructure company; consumer products have been wound down in favor of institutional services. custodial, multi-asset. Changed: Consumer app retired.
Frequently asked questions
Can I get my paycheck in Bitcoin?
Yes. Strike, Cash App, and Fold support direct deposit and convert a percentage you choose into Bitcoin automatically. The conversion is a purchase at the time of deposit, so cost basis is recorded per paycheck.
Is there FDIC insurance?
Only on US dollar balances held at partner banks, and only up to the partner bank's limits. Bitcoin is never FDIC insured.
Links
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