Withdraw Guard
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FDIC-insured bank partner

Your money,
levelled up.

Withdraw Guard is the lifestyle bank account that pays your bills before you can spend them, seals your savings until the day you choose, celebrates every on-time streak — and lights up the dealerships, spas, salons and getaways worth levelling up for, right on your map.

Preorder for $40 · explore the demoSee how a level-up works →

Founding Member preorder · $40 today · applies to your first month

Levelling up your lifestyle
Phone bill
3-month streak
paid on time, sealed automatically
The four pillars

Lock it. Pay it. Streak it. Live it.

Locks

Untouchable Retirement until 60, Date Time Locks for the wedding or the down payment, an Emergency vault that opens only on verified job loss. Money you can't sabotage.

  • No early withdrawals, no exceptions
  • Extend a lock any time — never shorten it
  • FDIC-backed custodian accounts

Bill Locks

Name a bill and its due date. Spending and every incoming deposit are swept into a sealed lock — soonest bill first — then handed back the day before it's due.

  • Bills pay themselves first
  • One-tap release on unlock day
  • Shown on your Payday Calendar

Streaks

Money Progress groups your locks by what they're for and tells the story: "Saved $180 for phone bill" → "Paid ✓" → a 3-month streak badge.

  • Auto-detected savings stories
  • On-time streak badges
  • Card spending by category

Your City Map

Drop in your address and see the car dealerships, used-car lots, paint & body shops, spas, salons, casinos and airports within 15 miles — the level-up, mapped.

  • Seven lifestyle categories
  • Saved address, instant reload
  • Phone, hours and website on every pin
Discipline on autopilot
A level-up, step by step

Discipline on autopilot.

  1. 01
    Payday lands
    Your paycheck hits Spending. Retirement, car and custom commitments pull on schedule — delay any of them with a date when life happens.
  2. 02
    Bills seal themselves
    Bill Locks sweep what's left into sealed locks, soonest due date first, until every upcoming bill is covered.
  3. 03
    Release day
    The day before it's due, a banner prompts you: release the money, pay the bill, keep the streak alive.
  4. 04
    Level up
    Money Progress turns it into a story. Your Map shows what's next — the car, the spa day, the flight.
Everything in one account

A whole bank, built around levelling up.

A real Spending account and debit card, automatic commitments, a payday calendar, a Food Vault, a city map and a net-worth tracker — all wired together through your FDIC-insured bank partner.

Real Spending account
Routing and account numbers at our FDIC-insured bank partner. Direct-deposit your paycheck straight in.
Debit card with controls
A real card, Apple Pay-ready, with merchant-category rules you set. Track the plastic from print to mailbox.
Bill Locks
Spending and new deposits sweep into sealed locks for upcoming bills, soonest due first, released the day before.
Automatic commitments
Retirement, car savings, student loan, rainy-day and your own customs pull on payday. Delay any one — or all — with a date.
Payday Calendar
Every pull, every bill due day and every bill-lock unlock on one month grid.
Money Progress + streaks
Your locks grouped into stories, on-time streak badges, and card spending by category at the top of Banking.
Your City Map
Dealerships, used-car lots, paint & body shops, spas, salons, casinos and airports within 15 miles of home.
Food Vault
Pick an amount — say $200 — and it moves out of Spending every payday. Unlock it all whenever you're ready to eat.
Bank-grade 2FA
TOTP authenticator + 10 single-use recovery codes. Login lockout after 5 wrong attempts.
Lifetime account

One hundred dollars.

One payment. No subscriptions. No annual fees. No upsells. Every lock, bill lock, streak and map — for the rest of your life.

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Withdraw Guard· FDIC-insured bank partner
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