Accountholders get easy access to their money, along with advanced features to help them manage it more effectively — all for some of the lowest fees in the industry.

But beyond just banking, ethos provides additional benefits, including automatic registration to a discount pharmacy network and optional membership to a low-cost discount health network. (And coming soon: asset building programs, financial wellness programs, and more.)

No checkbook to balance.

No credit card debt, interest, or late fees.

Text message or email alerts that notify you of transaction and balance limits.

Consumer-activated fraud prevention allows you to enable/disable your card remotely.

Discount pharmacy network membership.

Subordinate family cards.

Individually FDIC insured.

Ethos has some of the lowest fees available:

Direct deposits: FREE

Purchases: FREE

Cash back with purchases: FREE

Automated account inquiries: FREE

Text message alerts: FREE

Online service: FREE

Funds transfer: $1

Monthly fee: $2.95

Pharmacy discount network*: Included

Optional discount health network*: As low as $2.75/mo

Account Features (PDF)

Card Comparison (PDF)