Learn about how xl Financial Consumer Banking works with xl Community and its partners to provide resources to the underrepresented, underserved and marginalized communities (including women, BIPOCveterans, students and athletes).

Simplified Banking, Amplified Credit: Your Personal Finance Partner

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Join the Waitlist to Secure Your Founder-Level* Account at XL Financial.


*as a Founder-Level account client (for either personal or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.

Checking

Savings

Credit Card

Overdraft

Personal Loans

Mortgages

Insurance

Consumer INVEST - EDGE

Built-in xl Financial Wealth Manager




Discover the convenience of our simplified banking options, providing effortless control over your personal finance and credit, empowering you to manage your money with ease.

No hidden fees.... actually.

No monthly fees or service fees.

No minimum balance fees.

No overdraft fees.

No in-network ATM fees.

Free ACH's and domestic wire transfers.

No peer-to-peer transfer fees.


*on xl Financial Consumer Banking Checking accounts.

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FDIC-insured checking and savings

Safeguarded deposits, FDIC insurance provides coverage of up to $250,000 per account owner.

Manage bill payments

Setup reminders, tasks and bill auto-pay.

Manage spend and savings

Track your income and expenses, and set spending limits.

Set financial targets

Manage financial goals, setup auto-invest in savings and investment accounts.

Activity and fraud monitoring

Balance and transaction alerts with built-in fraud monitoring to spot unusual activity.

Insights

Track your FICO score and monitor your credit activity.

Fee-free overdraft assurance:

Keeping your funds intact.


Our overdraft protection service offers determined limits tailored to your eligibility, ensuring financial security without any accompanying fees.

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How about savings and investment accounts that get you to your destination automatically?




That's only a small part of what xl Financial Wealth Manager will do for you...

Learn more

Elevate your savings.

High yields await...


   4.43% APY*

(Industry average 0.46% APY, 02/20/24)

Unlock the potential of your savings with an exceptional 4.43% APY, providing you with accelerated growth and greater financial stability.


*on xl Financial Consumer Banking savings accounts.

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Personalized credit and lending:

Our range of credit cards, loans and mortgages.

Apply in minutes.


Pre-qualification without hard credit checks.**



  • Simplified VISA® Cash Back Rewards Credit Card

(earn unlimited 1%, 2% or 3% daily cash back on purchases.*)



  • Credit Builder VISA® Credit Card

(earn unlimited 1.5% daily cash back on purchases.*)


Higher limit, zero annual fee, global credit cards offering up to 3% daily cash back on purchases.*

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Personal Loans

  • Home improvement loans
  • Consolidation solutions for credit cards
  • Family planning loans

Mortgages

  • Mortgage loans
  • Mortgages refinancing
  • Home equity financing

Your shield against uncertainty.

With our diverse lineup of consumer insurance plans, you can rest assured knowing that you're equipped with the right coverage to navigate life's uncertainties with confidence.

Learn more

Auto

Boat, yachts and personal watercraft

Condo

Earthquake

Fine arts

Flood

High net worth

Homeowners

Individual health

Jewelry

Medicare supplemental

Personal umbrella

Renters

Travel

Buy and sell stocks and ETFs online.


Access real-time market data and stock quotes.


Execute trades quickly and efficiently.


View comprehensive portfolio summaries and performance metrics.


Set up personalized watchlists to monitor specific stocks or ETFs.


Access research tools and resources for informed investment decisions.


Receive alerts and notifications for price changes and market news.


Customize trading preferences and settings according to individual needs.


Access educational materials and resources for learning about investing.

Your simple solution for online stock and ETF trading.

Learn more

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 or business banking and/or credit), you will receive life-time one-on-one live support and an xl Financial Founder metal debit and/or credit card.

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