Chartered 1987 · Rebuilt for orbit
Banking with the discipline of a ledger and the reach of a frontier.
MuskAtlantic pairs a century-old approach to sound banking with infrastructure built for how money moves now — instant transfers, transparent rates, and statements that read like they were written for a human.
Member FDIC (mock) · No minimum balance · No monthly fee
Three accounts. No fine print maze.
Every account carries the same ledger you can see, the same support line, and the same rate whether you deposit ten dollars or ten million.
Everyday Checking
Built for money that moves. Free debit card, same-day transfers between MuskAtlantic accounts, and no minimum balance to maintain.
Open checking →Frontier Savings
A rate that moves with the market, not against you. Round up purchases automatically or set a fixed transfer on any schedule.
Open savings →Union Business
Invoicing, payroll runs, and multi-signer approval in one dashboard. Built for founders who read their own statements.
Open business →Perks, financing, and investing — under one login.
Your balance should do more than sit there. These are the three ways members put it to work.
Every swipe earns something you'd actually choose.
Cashback on everyday spend, partner discounts across travel and retail, and quarterly bonus categories members vote on. No points-to-miles math required — rewards post as cash, every time.
Financing for your next car, without the dealership markup.
Pre-qualify in minutes, lock a rate before you shop, and finance new or used vehicles from any participating dealer. Members with a Frontier Savings account get preferred rates and a lower minimum down payment.
Buy fractional shares straight from your checking account.
Start with $5. Build a position in any listed company over time with scheduled buys, and see your brokerage balance next to your checking balance — not in a separate app with a separate password.
Every dollar, accounted for in plain view.
No hidden tiers, no rate that quietly drops after month three. What you see when you open the account is what you get a year in.
Apply
Verify your identity and fund your account from any existing bank in under four minutes.
Fund
Transfer from an external account, or deposit a check with the mobile camera.
Move
Send, receive, and automate transfers — every action logged in a ledger you can search and export.
What moving your money here actually feels like.
Three members, three account types, in their own words.
“I switched my savings over for the rate and stayed for the fact that support picks up in under a minute, every time.”
“AU Mobility got me a lower rate than the dealer's finance desk offered, and I had the number before I even test drove the car.”
“Running payroll and watching my invest balance in the same app sounds small until you're the one reconciling both at midnight.”
Open the account you'll still trust in ten years.
No branch visit required. No minimum deposit. Cancel anytime with zero closing fee.
Open an account — 4 min