Let Your Money Work as Hard as You Do
Brighter Checking + Radiant Savings = More earnings, fewer fees, and real flexibility for small business owners.
Built for small business owners just like you.
Most banks weren’t designed for small and solo businesses. Your business deserves accounts that reward how you run it, with better rates, fewer fees, and tools to help you thrive.
- Earn more on your balances
- Keep things flexible, move money anytime
- Get support from a team that knows small businesses
Your Perfect Pair
Brighter Checking*
- 2.02% APY* on your balance
- No minimum to earn interest
- No monthly maintenance fees
- Mobile deposit and bill pay
Radiant Savings**
- 3.50% APY** on every dollar
- No balance requirements
- No monthly fees
See How It Adds Up
If you keep $10,000 in Brighter Checking* and $90,000 in Radiant Savings**:
APY
2.02% APY*
3.50% APY**
Balance
$10,000
$90,000
Approx. Annual Earnings
~$202
~$3,663
Total
$100,000
~$3,865/year
That’s nearly $4,000 a year, just by choosing smarter accounts!
*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.
**Annual Percentage Yield for the Luminate Radiant Savings, 4.07% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.
Stop letting your deposits sit idle.
With Luminate Bank, your money earns more while you stay in control. Need help getting started?
