Built for your community. 
Designed for your life.

Enjoy no monthly fees, a free mobile banking app, and access to 35,000+ surcharge-free ATMs wherever you go.
  • Minority-Friendly Bank
  • 35,000+ Free ATMs
  • Bank With Purpose

Choose one of these three
options to start saving
Annual Percentage Yield (APY)⁴ See the full list of interest rates. 0.10% 0.15% For balance between $1,500 - $50,000. Higher Balances Earn Higher Rates⁵ Rates vary by term. See full list of interest rates.
Minimum Balance $100 $1,500 $1000
Monthly Service Fee Can be avoided if minimum balance is met $0 $5 monthly charge if minimum balance falls below $100 any day in the statement cycle $0 $10 monthly charge if minimum balance falls below $1,500 any day in the statement cycle $0 No service fee

You know your money matters. Ponce makes it matter more.

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Your money. Your community. Your values.

Choose a bank that invests locally, not in fossil fuel developments.
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Support a minority founded bank

We’re committed to bringing banking service to people that most large banks ignore
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Bank with purpose

Around $0.80 of every dollar you deposit with Ponce bank creates community financing

Are you ready to take the reins
and secure your financial future?

Our Financial Mastery Series is not just about managing your money;
it is about unlocking your full potential and achieving your dreams!

Passbook Savings

Passbook Savings

The classic way to save. Track your deposits and watch your money grow with competitive interest rates, all in a tangible passbook you can hold in your hands. Open with as little as $100.
Ponce Statement Savings

Ponce Statement Savings

A modern savings account that keeps it simple. Earn competitive interest, get easy access to your funds with a free debit card, and stay on top of your balance with clear monthly statements. Open with as little as $50.
Holiday / Vacation Club

Holiday / Vacation Club

Your dream trip or holiday season starts with a plan. Set a savings goal, make regular cash deposits, and let restricted withdrawals keep you on track, so when the time comes, your money is ready.
Money Market

Money Market

Make your savings work harder. Our Money Market account offers tiered interest rates so the more you save, the more you earn, plus a free debit card for easy access when you need it. Open with as little as $50.
Certificate of Deposit (CD)

Certificate of Deposit (CD)

Lock in a competitive fixed rate and let your money grow, guaranteed. Choose a term anywhere from 7 days to 60 months and enjoy predictable returns with no surprises.
IRA

IRA

Invest in the future you deserve. Whether you're saving for retirement or education, our Traditional, Roth, and CESA IRAs offer fixed terms and meaningful tax advantages to help you build long-term wealth.

Learn more about
our retirement accounts

APYs effective as of March 11, 2026. Products, services, terms, conditions and interest rates subject to change without notice. Please consult a tax advisor regarding the applicable tax rules for IRAs and CESAs. The information provided is not tax advice.

‍1 Transfers to another account or to third parties by preauthorized automatic telephone or computer transfer or by check, draft, debit card or similar order to third parties are limited to six per monthly statement cycle. Other fees may apply. See consumer schedule of fees for details. Ask us for details. Bank rules and regulations apply. Minimum opening deposit is only $50. Fees may reduce earnings.

2 Transfers to another account or to third parties by preauthorized automatic telephone or computer transfer or by check, draft, debit card or similar order to third parties are limited to six per monthly statement cycle. Other fees may apply. See consumer schedule of fees for details. Ask us for details. Bank rules and regulations apply. Minimum opening deposit is only $50. Fees may reduce earnings.

3 The minimum balance to open and obtain the APY for this promotional 7-month CD is $1,000. Applies to new deposits only (funds previously not within another Ponce Bank account.). A penalty may be imposed for withdrawals before maturity, and fees may reduce earnings. Offer and rates may change without prior notice. Speak to a representative to learn more.

4 APY-Annual Percentage Yield. Rate may change after the account is opened.

5 Money Market Account APYs:

  • Money Market ($1.00-$1,499.99*): 0.10%
  • Money Market ($1,500.00-$49,999.99*): 0.15%
  • Money Market ($50,000 and greater): 0.20%
  • Investor's Special MMDA ($50,000 and greater): 0.35%
  • Investor's Special MMDA Business ($50,000 and greater): 0.35%
* Tiered Balances