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What is Winden?

Winden is a financial technology company that offers bank accounts and banking services for businesses in the United States. You get access to checking accounts, virtual cards, invoicing, tax automation, and much more.

We’re building banking for the internet economy. The world as we know it is no longer the same, and changes now occur in days and months, not years. The digital revolution is here, and Winden is at the center, supporting entrepreneurs and businesses propelling the growth of the global internet economy.

We’re fortunate to have the support of some amazing institutional investors like Accel and experienced operators.
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We are a diverse and determined team of innovators, movers, and shakers. We are passionate about enabling our customers to do their best work.

We value critical thinking, craftsmanship, obsessive curiosity, intellectual honesty, and being customer-centric. We’re located in Los Angeles but work globally.

Can I open an account if I’m not physically in the US or a US resident?

Yes, we're proud to support U.S. companies founded by people all across the globe. You can open your account right from your browser without needing to visit the U.S.

There are a few exceptions. We can't currently open accounts for individuals living in the following countries: Belarus, Burundi, Central African Republic, Cuba, the Democratic Republic of the Congo, Iran, Iraq, Lebanon, Liberia, Libya, Nicaragua, North Korea, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, and Zimbabwe.

Do I need to have an LLC or C-Corp to use Winden?

Nope! If you are a U.S. citizen or have a valid SSN, you can apply for an account as a sole proprietor using your SSN.

What do I need to apply for an account?

If you're applying as a sole proprietor, you'll need to provide proof of identity with your SSN. If you're applying as a U.S. C-Corp or LLC, you'll need to provide a federal EIN number, company formation documents, and proof of identity (SSN for U.S. citizens. Passport for non-U.S. citizens).

Is my account FDIC insured?

Yes. Each Winden account is insured up to the FDIC limit of $250,000. Winden works with FDIC-insured banks, including Blue Ridge Bank & Trust, Member FDIC, to store your deposits.

What does Winden cost?

Winden doesn't charge fees for anything -- no account minimums, monthly fees, overdraft fees, account fees, wire fees, etc. Please note however that we work with Allpoint to provide free ATM services and non-Allpoint ATMs may charge you a fee for using their services.

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What is my SSN used for?

We use your SSN solely to verify your identity. We do not perform any credit checks.

Where are my funds kept?

Winden works with FDIC-insured banks, including Blue Ridge Bank & Trust, Member FDIC, to store your deposits.

Are my funds insured?

Yes, your checking accounts are insured up to the FDIC limit of $250,000.

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Where can I find my wire details?

You can find wire details for each of your accounts by clicking on the Account Details option for each account on your dashboard. The account number and routing number are the same for ACH and wire transfers.

Can I send money via ACH?

Yes, you can send money via ACH for free through your Winden dashboard by clicking the Add Money button from your Winden account dashboard.

Can I send wire transfers?

Yes, you can send domestic wires for free through your Winden dashboard by going through the Move Money flow.

Can I send international wire transfers?

We do not currently support international wire transfers but plan to do so very soon. Once available, you will be able to send international wires for free.

Can I send checks?

At the moment, you are not able to send checks through Winden but this is another service that we will offer in the near future.

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Who is eligible for a Winden business debit card?

Any customer approved for a Winden account is eligible to use our cards.

How do I activate my Winden debit card?

Click the Cards tab from the main Dashboard, then select the card you would like to activate. Next, click the More tab and select activate from the drop-down menu.

Where can I use my Winden business debit card?

You can use your Winden business debit card anywhere Visa is accepted (basically everywhere!).

How long does it take to get my Winden debit card?

A new physical card typically takes 7 to 10 business days to arrive. A virtual card can be generated instantly from your dashboard.

Can I withdraw cash from ATMs?

Yes, you can withdraw cash at any ATM with no additional fees from Winden.* You can also withdraw cash without any fees at any Allpoint ATMs.
*ATM fees may apply.

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What does Winden cost?

Winden is free to use, we don’t charge any fees. You may however be charged out-of-network ATM fees by non-Allpoint ATMs.

How does Winden make money?

When you use your debit card, Visa charges a fee to the merchant. Winden receives a percentage of this fee, known as interchange. Our partner bank also earns a small amount of interest on deposits, and Winden receives a percentage of this amount.

If you have other questions, please visit our Help Center to learn more about Winden or Get Help

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