Banking
A full-featured USD checking account held at Column N.A., Member FDIC. Your deposits are protected up to $250,000 — the same protection as any traditional bank.
$250K
FDIC Insured
$0
Monthly Fee
0.5%
Domestic Wire Fee
24/7
Account Access
No minimum balance, no hidden fees, no branch visits. Manage your money entirely online with institutional-grade security.
Get startedFee Comparison
Nano Checking eliminates the hidden fees that traditional banks rely on. No monthly maintenance fees, no minimum balance requirements, and significantly lower wire transfer costs.
Feature-by-feature breakdown
| Feature | Nano Checking | Traditional Banks | Neobanks |
|---|---|---|---|
| Monthly fee | $0 | $5–$25 | $0–$5 |
| FDIC insurance | Up to $250K | Up to $250K | Varies |
| Wire transfers | From $5 | $15–$45 | Often unavailable |
| ACH transfers | Free, unlimited | Free, limited | Free, limited |
| API access | Full REST API | Limited | Varies |
$250K
Your U.S. dollar deposits are held at Column N.A., Member FDIC, and may be eligible for FDIC insurance coverage through Column's Deposit Sweep Program, subject to applicable limits and program terms.
Nano Fintech, Inc. is a financial technology company, not a bank. We partner with Column N.A. to provide you with the same deposit protections as any traditional bank.
Takes less than 5 minutes. No branch visit required.
Customer Stories
Marco Silva (Independent)· Freelance / ConsultingAs a remote contractor for US startups, Marco needed a way to receive USD, convert to EUR on his schedule, and earn yield on cash between projects. Nano Wallet replaced his patchwork of Wise, a local bank, and a DeFi wallet.
Pacifica Trading Co.· Import / ExportPacifica Trading moves goods between West Africa, Southeast Asia, and the US. By routing supplier payments through Nano Wallet's USDC rails, they cut international payment costs by 74% and eliminated the 'payment black hole' of correspondent banking.
