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For the most comprehensive consumer and business banking and financial services platform.
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Innovative financial solutions for everyone.
We understand that everyone's financial needs are unique, that's why we offer personalized banking solutions tailored to you or your business.
Whether you're just starting out on your personal financial journey or looking to start or grow your business, xl Financial has the expertise and experience to help you achieve your financial goals.
Join us as we prepare to launch and keep updated with our progress...
Get an early peak at our products...
What to expect...
Personal Banking and Credit, Simplified.
- Apply in minutes.
- FDIC-insured checking and savings with no hidden fees, transaction limits or minimum balance requirements.
- Higher limit, zero annual fee global credit cards with up to 2% daily cash back on purchases*.
- No fee peer-to-peer transfers.
- Over 40k fee free ATMs.
- Get paid early*.
- Bill auto-pay.
- Credit builder.
- Manage spending limits.
- Auto-invest in savings or investment accounts.
- Set financial targets.
- Make informed decisions to optimize your spend and savings with xl Financial's built-in Wealth Manager.
- Personal loans.
- Mortgages.
Mentored Student Banking and Credit.
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Scalable Business Banking and Credit.
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Streamline, Sync, Succeed: Your Integrated Productivity Hub.
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Introducing INVEST-EDGE: Simplified Investing Amplified.
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Fast, Full, and Flexible: Insurance Tailored to You.
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Your Bridge to Financial Wellness, Effortlessly.
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Personal Banking and Credit Simplified.
- Apply in minutes.
- FDIC-insured checking and savings with no hidden fees, transaction limits or minimum balance requirements.
- Higher limit, zero annual fee global credit cards with up to 2% daily cash back on purchases*.
- No fee peer-to-peer transfers.
- Over 40k fee free ATMs.
- Get paid early*.
- Bill auto-pay.
- Credit builder.
- Manage spending limits.
- Auto-invest in savings or investment accounts.
- Set financial targets.
- Make informed decisions to optimize your spend and savings with xl Financial's built-in Wealth Manager.
- Personal loans
- Mortgages
Learn more
Learn more
Mentored Student Banking and Credit.
- xl Financial Student accounts aim to instil positive financial practices early on.
- On-time auto-pay to ensure timely payments.
- Spending limit management tools designed to help students stay within their budgets and assist in tracking expenses and income.
- Automatic savings option enables periodic transfers to xl Financial Student savings account.
- The account setup facilitates easy transition from spending to saving.
- xl Financial's built-in Wealth Manager provides guidance on money management.
- Same fee free structure and cash back as xl Financial Consumer banking and credit.
- Scholarships*.
- Student loans and refinancing.
Scalable Business Banking and Credit.
- Apply in minutes.
- FDIC insured business checking and savings.
- No hidden fees.
- No monthly fee or overdraft fees.
- No fees for sending and receiving checks, ACHs or wires (domestic or international).
- No account balance minimums.
- 5.21% investment APY* on idle balances with xl Invest Edge.
- Low currency exchange fee of 1.2%*.
- Higher limit global business credit cards (and unlimited corporate team virtual cards) with 1.5% cash back on all purchases.
- Revolving business line of credit*.
- xl Financial BIZ HUB subscription* with accounting automation.
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Streamline, Sync, Succeed: Your Integrated Productivity Hub.
- Real-time spend reporting.
- Expense tracking and accounts payable management.
- Invoice extraction.
- PO management.
- Real-time accounting automation.
- Employee user-permission and admin approval management.
- Automated workflows.
- Real-time vendor, spend limit and spend program management on unlimited virtual cards.
- Custom reporting.
- Customizable dashboards.
- Built-in CRM/Cx with lead generation AI auto-pilot.
- Email, text and social media communications hub.
- AI-driven content creation.
- Marketing, sales and after sales support AI agent.
- 100's of integrations (eg. Quickbooks, Xero, Sage, NetSuite, Salesforce).
- Angel and VC investment community.
Introducing INVEST-EDGE: Simplified Investing Amplified.
- Simplified consumer and business investment platform.
- Personalized portfolio management for larger investments*.
- Invest in over 10,000 publicly traded companies and EFTs.
- Invest as little as $1 (fractional shares).
- Self managed risk profile selector.
- Auto-invest manager.
- xl Financial Invest-Edge community platform with investment guidance and webinars from investment experts.
- Real-time content and insights through a customizable investment dashboard.
- For enterprise level business account holders with large balances: idle-cash investment with up to 5.21% APY through low risk, high yield portfolios*, and protect any larger uninsured deposits with conservative mutual funds**.
- Investments insured by the Securities Investor Protection Corporation (SIPC) up to $500k in securities and cash.
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Fast, Full, and Flexible: Insurance Tailored to You.
- Auto
- Boat, yachts and personal water craft
- Condo
- Earthquake
- Fine arts
- Flood
- High net worth
- Homeowners
- Individual health
- Jewelry
- Medicare supplemental
- Personal umbrella
- Renters
- Travel
- Business general liability
- Business interruption
- Commercial auto
- Commercial property insurance
- Professional liability / errors & omissions (E&O) insurance
- Workers' compensation insurance
Your Bridge to Financial Wellness, Effortlessly.
- Personalized Financial Advice:
Tailored investment strategies.
Asset allocation recommendations.
- Budgeting and Expense Tracking:
Spending analysis.
Budgeting tools with alerts.
- Investment Management:
Automatic portfolio rebalancing.
Real-time performance monitoring.
- Goal Setting and Progress Tracking:
Set and track financial goals.
Progress insights and alerts.
- Education and Insights:
Financial education resources.
Market insights and trends.
- Risk Management and Security:
Account activity monitoring.
Alerts and recommendations.
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Assess. Integrate. Excel.
Innovating the Path to Corporate Precision.
Evaluation and Customization:
- Conduct a thorough assessment of existing expense management and customer management processes.
- Develop customized digital solutions tailored to address identified needs and areas for enhancement.
Integration and Support:
- Integrate advanced CRM systems, expense management tools, and operational software to streamline processes and boost efficiency.
- Provide comprehensive training and ongoing support to ensure seamless adoption and utilization of digital platforms.
Collaboration and Optimization:
- Collaborate closely with client teams to align strategies with business objectives and goals.
- Continuously monitor performance metrics and refine strategies to optimize results.
Communication and Evaluation:
- Maintain transparent communication channels throughout the process to ensure clarity, collaboration, and accountability.
- Conduct periodic evaluations to assess the impact of digital solutions on expense management, customer satisfaction, and overall operational efficiency.
Centralized dashboard:
Manage your xl Financial banking, as well as your external accounts, all in your own personalized banking control center.
No need to jump from bank app to bank app.
Manage all your banking and financial tasks efficiently through a unified dashboard that is tailored to your preferred level of simplicity or comprehensiveness.
Exceptional support, ironclad security: Your peace of mind, our assurance.
Client support
We offer the flexibility to connect you with a live person at any time, while also providing the option to choose between chat or self-serve options based on your preference.
Fraud monitoring
Our integrated fraud detection tools identify and promptly halt any suspicious activities.
FDIC insurance
Deposits, held in your name and insured by the FDIC, are securely maintained in federally regulated accounts through our banking partners.
Account security
Our secure, industry-standard protocols protect the confidentiality and integrity of your data.
Redefining the landscape of financial services for consumers and businesses ...all on a single, unified platform.
But, here's the best part...
Empowering Dreams, Empowering Lives:
Bridging Financial Divides.
We are committed to empowering the underrepresented, underserved and marginalized communities (including women, BIPOC, veterans, and students) by equipping them with the necessary tools and resources to accomplish their financial aspirations.
Our goal is to narrow the financial divide and ensure equal opportunities for all, irrespective of their background or circumstances.
That is our
mission
at xl Financial and our partners in our xl
Community platform.
Jody Stewart
President, Co-Founder - XL FINANCIAL INC.
Board Member - NAWBO | SBA | WBENC
Learn more about how we will make a difference and quantify our impact
Begin Your Journey:
Secure Your Founder-Level* Account at XL Financial.
*as a Founder-Level account client (for either personal, student or business banking and/or credit), you will receive life-time one-on-one live support and a xl Financial Founder metal debit and/or credit card.
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