We are ALPHA. You do business with us, and we utilize other services to conduct business on your behalf.See All Documents
Summary of Terms & Conditions
The Fine Print
How We Use Your Information
Primarily we use your personal and transaction information to help you understand your own financial health and to see how day-to-day spending decisions change your financial position. We do not share this information with any third party without your permission (except with certain third parties such as vendors acting on our behalf and business partners, or in other limited situations, for example, pursuant to legal process).
When you transact online, pay at stores, withdraw money from ATMs or make other financial transactions, information passes through various secure bank networks, merchants systems and other payment facilitators. We treat your information in accordance with our strict privacy standards.
The main ways we use your data are as follows:
Electronic Delivery of Information
Instead of sending you paper statements, disclosures and notices, ALPHA will send you electronic notices for transactions that are subject to the federal Electronic Signatures in Global and National Commerce Act. By consenting to our E-SIGN agreement and confirming ability to receive electronic notices, ALPHA also intends that the Act applies to our ability to conduct business with you by all electronic means, with regards to the delivery of all terms and conditions, notices and disclosures or any other documents that may be required during the business relationship between you and ALPHA. This includes, but isn't limited to, Electronic Funds Transfer Disclosures, Electronic Service Agreements and privacy policies.
Monthly Subscription Fees
ALPHA is a free service
Account Funding Fees
There are no additional account opening, deposit, or payment fees.
No Fee From ALPHA
ATM Terminals may charge their own fee
2 Free Replacements / Year
2 free / year, $5 each after that. Overnight charges at our cost if requested.
Electronic Delivery to both account and designated email. Paper copies are not available.
Transfers to your ALPHA Account
You can transfer up to $10,000 into your account, limited to a transfer of $2,500 at any one time. You can deposit your paycheck by connecting your employer’s direct deposit for no fee or deposit limits.
Financial Wellness Data
The Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Your personal financial situation is unique, and any information and/or advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
Even though you can't quite open an account yet, sign up to secure your spot on the list!
The world is changing, but banking has not. ALPHA is here to put the focus back on YOU, the customer, and build products and services that guide you to YOUR goals. It's about time your bank was on your side!