Get ready, Get set...
Introducing the most comprehensive consumer and business banking and financial services platform.
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Innovative financial services for everyone.
We understand that everyone's financial needs are unique, that's why we offer personalized banking solutions tailored to you or your business.
Whether you're just starting out on your personal financial journey or looking to start or grow your business, xl Financial has the expertise and experience to help you achieve your financial goals.
Join us as we prepare to launch and keep updated with our progress...
Get an early peak at our services...
Personal Banking and Credit, Simplified.
- Apply in minutes.
- FDIC-insured checking and savings with no hidden fees, transaction limits or minimum balance requirements.
- Higher limit, zero annual fee global credit cards with up to 2% daily cash back on purchases*.
- No fee peer-to-peer transfers.
- Over 40k fee-free ATMs.
- Get paid early*.
- Bill auto-pay.
- Credit builder.
- Manage spending limits.
- Auto-invest in savings or investment accounts.
- Set financial targets.
- Make informed decisions to optimize your spend and savings with xl Financial's built-in Wealth Manager.
- Personal loans.
- Mortgages.
Mentored Student Banking and Credit.
- xl Financial Student accounts aim to instil positive financial practices early on.
- On-time auto-pay to ensure timely payments.
- Spending limit management tools designed to help students stay within their budgets and assist in tracking expenses and income.
- Automatic savings option enables periodic transfers to xl Financial Student Savings account.
- The account setup facilitates easy transition from spending to saving.
- xl Financial's built-in Wealth Manager provides guidance on money management.
- Same fee-free structure and cash back as xl Financial Consumer banking and credit.
- Tuition aid, scholarships, and recruitment.
- Student loans and refinancing.
Scalable Business Banking and Credit.
- Apply in minutes.
- FDIC insured business checking and savings.
- No hidden fees.
- No monthly fee or overdraft fees.
- No fees for sending and receiving checks, ACHs or wires (domestic or international).
- No account balance minimums.
- 5.21% investment APY* on idle balances with xl Invest Edge.
- Low currency exchange fee of 1.2%*.
- Higher limit global business credit cards (and unlimited corporate team virtual cards) with 1.5% cash back on all purchases.
- Revolving business line of credit*.
- xl Financial BIZ HUB subscription*.
- Real-time vendor, spend limit and spend program management on unlimited virtual cards.
- Expense tracking and accounts payable management.
- Invoice extraction.
- PO management.
- Real-time accounting automation.
- Employee user-permission and admin approval management.
- Automated workflows.
Marketing and Sales Platform Powered by AI Autopilot.
- Built-in CRM with lead generation AI auto-pilot.
- Contact management.
- Lead management.
- Sales automation.
- Pipeline management.
- Task and activity management.
- Reporting and analytics.
- Integration.
- Workflow customization.
- Email, text and social media communications hub.
- AI-driven content creation.
- Marketing, sales and after sales AI support agent.
Introducing INVEST-EDGE: Simplified Investing Amplified.
- Simplified consumer and business investment platform.
- Personalized portfolio management for larger investments*.
- Invest in over 10,000 publicly traded companies and EFTs.
- Invest as little as $1 (fractional shares).
- Self managed risk profile selector.
- Auto-invest manager.
- xl Financial Invest-Edge community platform with investment guidance and webinars from investment experts.
- Real-time content and insights through a customizable investment dashboard.
- For enterprise level business account holders with large balances: idle-cash investment with up to 5.21% APY through low risk, high yield portfolios*, and protect any larger uninsured deposits with conservative mutual funds**.
- Investments insured by the Securities Investor Protection Corporation (SIPC) up to $500k in securities and cash.
Comprehensive Insurance Solutions: Tailored to You.
- Auto
- Boat, yachts and personal water craft
- Condo
- Earthquake
- Fine arts
- Flood
- High net worth
- Homeowners
- Individual health
- Jewelry
- Medicare supplemental
- Personal umbrella
- Renters
- Travel
- Business general liability
- Business interruption
- Commercial auto
- Commercial property insurance
- Professional liability / errors & omissions (E&O) insurance
- Workers' compensation insurance
Your Bridge to Financial Wellness, Effortlessly.
Personalized Financial Advice:
Tailored investment strategies.
Asset allocation recommendations.
Budgeting and Expense Tracking:
Spending analysis.
Budgeting tools with alerts.
Investment Management:
Automatic portfolio rebalancing.
Real-time performance monitoring.
Goal Setting and Progress Tracking:
Set and track financial goals.
Progress insights and alerts.
Education and Insights:
Financial education resources.
Market insights and trends.
Risk Management and Security:
Account activity monitoring.
Alerts and recommendations.
Assess. Integrate. Excel. Innovating the Path to Corporate Precision.
Evaluation and Customization:
Conduct a thorough assessment of existing expense management and customer management processes.
Develop customized digital solutions tailored to address identified needs and areas for enhancement.
Integration and Support:
Integrate advanced CRM systems, expense management tools, and operational software to streamline processes and boost efficiency.
Provide comprehensive training and ongoing support to ensure seamless adoption and utilization of digital platforms.
Collaboration and Optimization:
Collaborate closely with client teams to align strategies with business objectives and goals.
Continuously monitor performance metrics and refine strategies to optimize results.
Communication and Evaluation:
Maintain transparent communication channels throughout the process to ensure clarity, collaboration, and accountability.
Conduct periodic evaluations to assess the impact of digital solutions on expense management, customer satisfaction, and overall operational efficiency.
Empowering Marginalized Communities Through Comprehensive Support
- xl Community dedicated to empowering underrepresented communities.
- Comprehensive financial resources for women, BIPOC, students, and veterans.
- Network of industry and educational professionals for tailored support.
- Financial literacy education integrated into our platforms.
- Scholarships, mentorship, and support programs.
- Housing assistance and mental health support for veterans.
- Transaction round-up program for easy support.
- Transparent tracking of contributions and their impact.
- Free recruitment platform for students.
- Bridging financial gaps for marginalized communities through collaborative efforts.
Centralized dashboard:
Manage your xl Financial banking, as well as your external accounts, all in your own personalized banking control center.
No need to jump from bank app to bank app.
Manage all your banking and financial tasks efficiently through a unified dashboard that is tailored to your preferred level of simplicity or comprehensiveness.
Exceptional support, ironclad security: Your peace of mind, our assurance.
Client support
We offer the flexibility to connect you with a live person at any time, while also providing the option to choose between chat or self-serve options based on your preference.
Fraud monitoring
Our integrated fraud detection tools identify and promptly halt any suspicious activities.
FDIC insurance
Deposits, held in your name and insured by the FDIC, are securely maintained in federally regulated accounts through our banking partners.
Account security
Our secure, industry-standard protocols protect the confidentiality and integrity of your data.
Redefining the landscape of financial services for consumers and businesses ...all on a single, unified platform.
But, here's the best part...
Empowering Dreams, Empowering Lives:
Bridging Financial Divides.
We are committed to empowering the underrepresented, underserved and marginalized communities (including women, BIPOC, veterans, students, and athletes) by equipping them with the necessary tools and resources to accomplish their financial aspirations.
Our goal is to quantifiably influence early financial literacy, narrow the financial divide and ensure equal opportunities for all, irrespective of their background or circumstances.
That is our
mission
at xl Financial and our partners in our xl
Community platform.
Courtney Crump
President, Co-Founder - XL FINANCIAL INC.
Learn more about how we will make a difference and quantify our impact
Get Started on Your Path to Financial Success:
Secure Your Founder-Level* Account at XL Financial.
*as a Founder-Level account client (for either personal, student or business banking and/or credit), you will receive life-time one-on-one live support and a xl Financial Founder metal debit and/or credit card.
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Let's talk...
Email us:
hello@xl.financial
1. Xl Financial is a financial technology company, not a bank. Banking services provided by TBD, Member FDIC.
2. The Xl Financial Debit and Credit Cards are issued by our banking partner pursuant to a license by Mastercard® International or VISA® U.S.A. Inc.
3. If you choose to link your Xl Financial Debit Card to an Xl Financial Community Program. You'll have the option to donate your spare change to any of the active Programs available. Each time you make a transaction with your Xl Financial Debit Card feature in your Xl Financial Checking Account, we'll round up the transaction amount to the nearest whole dollar (from $0.01 to $0.99) for every person who participates in the program. The excess amount will then be transferred to an Xl Financial Community Partner Account. Please note that even-dollar transactions ($xx.00) are not eligible for this service.
4. Out-of-network ATM withdrawal fees apply. Xl Financial will charge an ATM Withdrawal Fee or $2.50, in addition to any fees charged by the ATM operator. Please refer to account terms and conditions.
5. Xl Financial Inc is not a lender. All decisions and terms offered are the responsibility of the participating lenders. Your results will be unique based on the items showing in your credit report, zip code and other factors for certain products and services. Not all consumers will qualify for the advertised rates and certain restrictions may apply depending on the type of loan.
6. Xl Financial Invest Edge Accounts are held at a broker-dealer and qualified custodian TBD, Member SIPC and FINRA. Cash and investments in this account are protected by SIPC up to $500,000, with a limit of $250,000 for cash. For details, please see https://www.sipc.org are held at a broker-dealer and qualified custodian.
7. Investments in securities are Not FDIC Insured, Not Bank Guaranteed and May Lose Value
8. Investment advisory services are provided by Xl Financial Investment Advisory, LLC, an SEC registered investment adviser. Brokerage services are provided by DriveWealth LLC, member FINRA/SIPC.
9. Xl Financial Invest Edge, by Xl Financial Advisory, LLC, an SEC-registered investment adviser, seeks to earn net returns up to 5.43% annually on your idle cash. Net yield numbers as of 03/04/2024, and assumes total Xl Financial deposits of $20M+.
10. Xl Financial Invest Edge, by Xl Financial Advisory, LLC, an SEC-registered investment advisor. Registration with the SEC does not imply a certain level of skill or training. SEC registration does not mean the SEC has approved of the services of the investment adviser.
11. Xl Financial Advisory, LLC (the “Firm”) is an investment management firm that offers a wrap fee program that allows small businesses to invest idle cash in relatively low-risk, short-term instruments. The performance discussed herein is historic and reflects an investment for a limited period of time. It should not be assumed that future investors would experience returns, if any, comparable to those illustrated herein. Past performance is not indicative of future returns. Investment results will fluctuate. Returns are not guaranteed. All investments are subject to the risk of loss, including the loss of principal. No representation is being made that an investment account has, will, or is likely to achieve profits or losses equal to the profits or losses shown. Actual returns will vary greatly and depend on personal and market conditions. Before investing, consider your financial goals and the costs of using the program.
12. Furthermore, the information set forth has been obtained from sources that the Firm believes to be reliable; however, these sources cannot be guaranteed as to their accuracy or completeness. The information contained herein is not, and should not be construed as, an offer to sell or the solicitation of an offer to buy any securities. The information has been prepared solely for the purpose of determining your level of interest in Xl Financial Treasury and to provide general background information on such algorithmic investment program.
13. This information contains certain “forward-looking statements,” which may be identified by the use of such words as “believe,” “expect,” “anticipate,” “should,” “planned,” “estimated,” “potential” and other similar terms. Examples of forward-looking statements include, but are not limited to, estimates with respect to financial condition, results of operations, and success or lack of success of the depicted investment strategy. All are subject to various factors, including, but not limited to general and local economic conditions, changing levels of competition within certain industries and markets, changes in interest rates, changes in legislation or regulation, and other economic, competitive, governmental, regulatory and technological factors affecting operations that could cause actual results to differ materially from projected results.
14. Targeted returns (e.g., forward-looking statements of performance up to a stated return) reflects the returns that the Firm is seeking to achieve over a particular period of time. Projected returns reflect the Firm’s performance estimate – i.e., the returns that the Firm believes can be achieved using the advertised investment services. Target returns are presented to inform clients or potential clients about the Firm’s risk tolerances when managing the Xl Financial Invest Edge strategy and to provide information useful to a client or potential client when assessing how the Firm’s strategy fits within the investor’s overall portfolio. Target returns are not guarantees or promises of future return.
15. Xl Financial Invest Edge is not insured by the FDIC. Xl Financial Invest Edge are not deposits or other obligations of our sponsor bank, and are not guaranteed by them. Xl Financial Invest Edge products are subject to investment risks, including possible loss of the principal invested.
16. To receive cash-back, your Xl Financial accounts must be open and in good standing, meaning they cannot be suspended, restricted, past due, or otherwise in default.
17. Deposits in Xl Financial checking and savings accounts are held by our partner bank TBD, Member FDIC.
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