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Get Started

Personal Checking Account built for you.

Sign Up in minutes. No monthly overdraft fees and unlimited transactions.
Get Waya
free checking account

Enjoy banking with big benefits.

Open your account in minutes, save on fees and set your account up for success.

No Minimum fees

Don’t worry about minimum fees when you open a Waya account. It’s effortless to bank with us.

No
monthly fees

Don’t worry about monthly or overdraft fees.

No minimum balances

Open an account with no minimum deposit required.

Unlimited transactions

Make all the deposits or payments you need with no limit on your number of transactions.

Stop Paying more when you can pay less
and get more with Waya.

See how Waya compares to other checking accounts.
Waya AccountsOther Checking Accounts
Minimum opening deposit$0$500 minimum balance
Monthly service fees$0$15-$30 monthly service fees
TransactionsUnlimited transactions1Transaction limits and/or fees
ACH fees$0$10+
Overdraft fees$0$35 NSF fees
Incoming wire fees$0$20+

Your Payments Need, Made easy.

Thoughtfully designed for a simple, all-in-one digital banking experience for immigrants.
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Security & Control

confidence
  • Bank with confidence and peace of mind.

    You can count on advanced security measures to keep your money safe and your information protected.

  • FDIC-insured
  • FDIC-insured

    Your account is insured up to $250,000 per depositor through Lineage Bank, Member FDIC.

  • our vision
  • Two-factor authentication

    An additional layer of security to keep your account safe,  without slowing you down.

  • Safe and secure
  • Safe and secure

    We are leveraging the latest technology to ensure that your account is secure.

    • Make the Move, Get Waya

      Download the Waya App and Enjoy the new way of banking
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      Waya’s Banking services, debit cards, and bank accounts are provided by Lineage Bank, Member FDIC.
      The Waya Mastercard® is issued by Lineage Bank pursuant to a license by Mastercard International Incorporated. The Waya Card may be used everywhere Mastercard is accepted in the U.S. Mastercard is a registered trademark, and the circle design is a trademark of Mastercard International Incorporated. Waya is a product of Wayapay Limited, Inc. Wayapay, Waya, and associated names are registered trademarks of Wayapay Limited, Inc. All other trademarks and brand names mentioned belong to their respective owners. Standard data rates from your wireless service provider may apply. By clicking on some of the links above, you will leave the Waya website and be directed to a third-party website. The privacy practices of those third parties may differ from those of Waya. We recommend you review the privacy statements of those third-party websites, as Waya is not responsible for those third parties' privacy or security practices.
      Ⓒ 2023 Waya. All Rights Reserved.