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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.
**you will also have the chance to participate in our efforts at xl Community by choosing the program you are most interested in - right from your banking dashboard.
Welcome to xl Community, where we're committed to fostering financial empowerment and inclusion for everyone. Through our innovative solutions at xl Financial, we're dedicated to bridging the financial divide and supporting underrepresented demographics, including women, BIPOC, students, and veterans. Here's how we're making a difference...
Empowering Financial Education
Inclusive Financial Products
Accessible Digital Banking
Alternative Lending Marketplace
Diverse Team, Inclusive Solutions
Community Partnerships
Social Impact Investing
HYRD Recruitment Program
Join us in driving positive change through social impact investing. At xl Community, we're dedicated to supporting underrepresented, underserved, and marginalized communities through our own financial support and the generosity of our clients. Through our transaction round-up programs and individual charitable contributions available via xl Financial, clients can choose specific programs and communities they wish to support.
Together, we're making a difference by funding initiatives ranging from affordable housing to education and workforce development, empowering those in need and fostering lasting change.
Funding and donations are sourced from:
Easy Contribution:
Simply opt into our round-up program, and each transaction you make will be rounded up to the nearest dollar.
Tailored Support:
Choose which XL Community programs you want to support, whether it's empowering women, fostering BIPOC advancement, aiding student success, or assisting veterans.
Transparency:
Track your contributions directly from your XL Financial dashboard, so you can see exactly where your money is going and the impact it's making.
Project Visibility:
Get updates on the projects and initiatives your contributions directly support, allowing you to see the tangible difference you're making.
Contribution Management:
Easily manage your round-up contributions, adjust your preferences, and track your giving history, all conveniently from your XL Financial dashboard.
Welcome to xl Community for Women, where we're dedicated to providing comprehensive resources for individuals and women-owned businesses in all aspects of finance.
Our platform is designed to empower and support this underrepresented demographic by leveraging a network of women professionals, educational experts, industry leaders, and trendsetters.
Network of Experts:
Gain access to a diverse network of women professionals, educational experts, industry leaders, and trendsetters.
Tailored Support:
Receive personalized guidance and support tailored specifically to your financial needs and goals.
Wealth of Knowledge:
Access valuable insights, educational resources, and mentorship opportunities to help you navigate the financial landscape with confidence.
Business Development:
Whether you're starting or growing a business, we offer resources and expertise to support women entrepreneurs at every stage of their journey.
Financial Planning:
Learn effective financial planning strategies and investment techniques to secure your financial future.
Networking Opportunities:
Connect with like-minded individuals, build valuable relationships, and expand your professional network through our networking events and community forums.
Join xl Community for Women today and tap into a supportive ecosystem that empowers you to succeed financially. Together, we're breaking down barriers and paving the way for greater financial inclusion and empowerment for all.
FOR WOMEN
Welcome to xl Community for BIPOC, where we're committed to providing comprehensive financial resources tailored for individuals and BIPOC-owned businesses.
Our platform is uniquely designed to empower and support this marginalized demographic by harnessing a strong network of BIPOC professionals, educational experts, industry leaders, and trendsetters.
Recognizing the distinct challenges faced by BIPOC individuals and entrepreneurs in the financial realm, we offer:
Join xl Community for BIPOC today and become part of a supportive ecosystem dedicated to empowering you in your financial journey. Together, we're committed to dismantling barriers and promoting greater financial inclusion and empowerment within the BIPOC community.
FOR BIPOC
Welcome to xl Community for Students, where we're dedicated to providing comprehensive financial resources tailored for students.
Our platform integrates a network of industry and educational professionals to offer a wealth of knowledge and support mechanisms addressing students' financial needs.
We understand the challenges faced by students, particularly those from marginalized and underrepresented communities. We offer a range of resources and support services, including:
Our student banking platform at xl Financial prioritizes financial literacy education, offering:
xl Financial student credit card with our exclusive
TUITION-BACK
initiative.
Sponsored by xl Community, this program offers an exciting opportunity for students. By simply using your xl Financial student credit card, you're automatically entered to win a reimbursement of your current year's tuition costs*.
Take advantage of this chance to ease the financial burden of education and potentially have your tuition costs covered.
Apply now and start earning rewards while investing in your future with xl Financial.
With xl Financial Student Banking, you'll have a chance at our annual
IT'S-ON-US
scholarship.
Introducing IT'S-ON-US, an exclusive annual benefit drawn for eligible xl Financial student account holders (debit and/or credit).
As an account holder, you will gain access to xl Community for Students, where you can engage in mentorship programs and self-help educational initiatives with others like you across America.
Once enrolled, you'll have the opportunity to win one of our annual post-secondary school scholarships**.
Join the xl Financial today and take advantage of this empowering opportunity to invest in your education and future success.
xl Community HYRD:
Zero-cost recruitment platform
(student-edition).
Introducing xl Community's HYRD program, exclusively available to xl Financial account holders. Seamlessly integrating education progress tracking with nationwide recruitment opportunities, HYRD offers students access to valuable career prospects at zero cost.
This innovative platform benefits both students and recruiters by providing a streamlined and cost-effective solution for connecting talented individuals with exciting opportunities.
Get started with xl Financial and take the next step towards your future success, completely free of charge.
Join xl Community for Students today and access our comprehensive support network to navigate your financial journey. Together, we're committed to empowering students from all backgrounds to achieve their academic and financial goals.
FOR STUDENTS
Welcome to xl Community for Veterans, where we're dedicated to providing comprehensive financial resources tailored for veterans.
Our platform incorporates a network of industry and educational professionals, providing a plethora of expertise and support mechanisms tailored to address the financial needs of veterans.
At xl Community for Veterans, we understand the unique challenges faced by veterans in navigating their financial landscape. That's why we offer a range of resources and support services, including:
Join xl Community for Veterans today and tap into our supportive ecosystem, dedicated to empowering veterans in their financial journey. Together, we're committed to providing the resources and support needed to help veterans achieve financial stability and success.
FOR VETERANS
Dedicated to making a positive, impactful difference.
National Association of Women Business Owners (NAWBO)
National Urban League (NUL)
Financial Literacy for All (FLA)
America Saves
American Legion
Give an Hour
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.
Thank you for contacting us.
We will keep you in the loop with our progress.
Kind regards,
xl Financial Team
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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.