Launching soon!
The Bank Account That Manages Your Money for You
Ditch the spreadsheets. Sediment is the first checking account built to automatically budget, save, and plan — for you.
Not just a bank. Not just a budgeting app.
How Sediment Works
Structured Checking
Hard/soft budgets built into your debit card
Purpose-Driven Savings
Every bill, goal, and emergency has a smart account
AI Assistant
A copilot that helps set up budgets, savings, and more
Account Features
What makes Sediment different?
Budget Categories with Hard & Soft Limits
Set budgets within your checking account by category. Choose between soft budgets that warn you when you're over budget and hard budgets that decline transactions exceeding your set limit. Enjoy real-time balance updates per category and flexible budget intervals.
Transaction Round-Ups & Debit Card Controls
Round up purchases to the nearest $1, $5, or $10 and direct the difference to your chosen savings account. Take control of your spending with card freeze/unfreeze, spend limits, merchant category blocking, and real-time transaction alerts.
Intent-Based Savings Accounts
Create purpose-driven accounts for bills, planned expenses, goals, and emergencies. Each account type comes with specialized features like due date tracking, target savings amounts, progress tracking, and smart pacing recommendations.
Asset-Aware Management
Link savings accounts to real-world assets like vehicles, homes, and more. Access specialized features including document storage, payment forecasts, maintenance tracking, event reminders, and asset lifecycle planning.
AI Assistant That Takes Action
Get intelligent, context-aware support throughout your experience. Beyond answering questions about budgeting and savings strategies, our AI can help you set up accounts, move money, adjust budgets, and proactively suggest actions based on your behavior.
Real-Time Alerts & Behavior Nudges
Receive notifications for budgets nearing their limits, alerts for unusual transactions, and daily or weekly spending digests. Get encouraging notifications when spending is on track and personalized suggestions to adjust budgets based on your habits.
The Basics
It's not a bank account without these features
Individual or joint account
Access to 55,000+ free ATMs
Physical and virtual debit cards
Mobile deposits
ACH, wire, and book payments
Security and Compliance
We've got your back
FDIC insured
BSA/AML
Fraud monitoring
Data encryption