Your Money. Your Rules. No Fees.

Built for the financial reality of student life — midnight deposits, $4 coffee, and rent splits that actually make sense.

Checking Balance

$847.32

Last updated 2:14 AM

Fees

What happens if I overdraft?

Nothing. Ledger declines the transaction instead of charging you $34 to borrow $3. Your card gets declined, your balance stays at $0.00, and nobody calls your parents.

Overdraft Fee Per Incident — 2025

Chase

$34

Wells Fargo

$35

Bank of America

$35

US Bank

$36

Ledger

$0.00 ✓

Average student overdrafts / year

4.2×

Industry survey, 2024

What you save with Ledger

$147/yr

vs. average legacy bank

Real scenario

11:58 PMVenmo split for pizza — $12.50

-$12.50

12:01 AMShift Kitchen deposit hits

+$316.25

12:01 AMBalance restored

$303.75

At a legacy bank: that $12.50 pizza would have cost $46.50.