Banking for your
golden years

sagewell app on phone

Banking for your
golden years

As a retiree, we understand you have completely different financial needs than the rest of the population. Which is why our free online checking account with easy-to-use banking app has been built with your lifestyle in mind.

Earn 2.30% interest on your deposits, save up to 35% on your monthly bills, gain exclusive access to a dedicated Retirement Advocate and so much more.

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Sagewell is a financial technology company and is not a bank. Banking services provided by Choice Financial Group; Member FDIC. The Sagewell Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. By submitting your phone number, you agree to receive text messages or phone calls from Sagewell. Details on the checking account here¹. The interest rate on your account is 2.30% with an annual percentage yield of 2.32%. Your interest rate and annual percentage yield are variable and subject to change based on the target range of the Federal Funds Rate.

Sagewell In The Media

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NO HIDDEN FEES, NO MINIMUMS

Say Goodbye to Banking Fees.

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NO HIDDEN FEES, NO MINIMUMS

Say Goodbye to Banking Fees.

We’re all about helping you stretch your money further. Which is why we’ve said goodbye to traditional banking fees.

  • No overdraft or insufficient funds fees.
  • Generous ATM fee reimbursement.
  • No minimum balance fees.
  • No monthly fees.
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“All the best perks of banking plus added support for things we need as we get older”
Memori C. – Florida
INDUSTRY LEADING INTEREST

Earn 2.30% interest

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INDUSTRY LEADING INTEREST

Earn 2.30% interest

You worked hard for your money, so why shouldn’t your money work harder for you?

All Sagewell online checking accounts earn 2.30% interest on all deposits. It’s the easiest way to make your money grow.

The interest rate on your account is 2.30% with an annual percentage yield of 2.32%. Your interest rate and annual percentage yield may change. The interest rate on your account is variable and equal to the upper bound of the federal funds rate target range as established by the Federal Open Market Committee of the Federal Reserve minus a margin of 0.20%.

TAKING SECURITY SERIOUSLY

Keeping your money secure

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TAKING SECURITY SERIOUSLY

Keeping your money secure

At Sagewell keeping your money secure is our top priority. Not only are your deposits FDIC insured up to $250,000, we’ve also included password hacking protection and senior-specific fraud monitoring into our banking app, to ensure your money stays safe.

And if you ever receive a suspicious email, text or call, your Retirement Advocate is a phone call away to provide guidance.

FEE FREE ATMS & CHECKS

ATM Fee Reimbursements & Free Digital Checks

sagewell user using an atm with no fee
FEE FREE ATMS & CHECKS

ATM Fee Reimbursements & Free Digital Checks

Travelling in Spain and need to use the ATM but worried you’ll get hit with hefty ATM fees? When you withdraw cash using your Sagewell debit card anywhere in the world, we will reimburse your ATM fees.

Need to send a check? Our digital check feature allows you to send unlimited checks for free. All you need to do is input all the details, and then a paper check will be mailed for free. It’s simple and efficient.

YOUR MONEY, WORKING HARDER

Earn up to 10% cash back

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YOUR MONEY, WORKING HARDER

Earn up to 10% cash back

In retirement, we know every little bit helps. Use your Sagewell debit card to buy groceries, gas, food and more at selected retailers you will receive up to 10% cash back, paid to you weekly.

New deals and retailers are added every week, all you need to do is swipe your card to start saving. It’s that simple.

Compare And Contrast Banking Options

How does your checking account measure up?

Sagewell
Chase Total Checking Account
Bank of America Advantage Plus
Ally Interest Checking Account
FDIC insured
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$250 sign-up bonus with MyPaycheck
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No monthly maintenance fee
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Some accounts
Some accounts
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Free electronic checks
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Free ATMs nationwide
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Dedicated retirement advocate
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No overdraft fees
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No required minimum balance
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Early access to your retirement income
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NBC news testimonial

“From determining how much money you need each paycheck to purchasing the right insurance, they’re focused on making older adults feel confident about their money.

– Nekia Nichelle, NBC News Chicago

We’re Here To Help

New to online banking? Not a problem.

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We understand online banking can be daunting, especially if you’ve been banking with a traditional bank for most of your life. That’s why we’ve made our banking app super easy to use. It’s available 24/7 and if you ever have questions, we’re here to help. Because it’s OK not to know.

here to help
Please enter a valid phone number

Sagewell is a financial technology company and is not a bank. Banking services provided by Choice Financial Group; Member FDIC. The Sagewell Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

By providing my phone number and clicking the “Submit & Agree” button below, I agree to the E-Sign, Privacy Policy, and Terms of Service, and I also consent by electronic signature to receive calls and text messages from Sagewell Financial, Inc. (“Sagewell”) or its representatives made by any means or technology, including an automatic telephone dialing system, at the phone number I have provided, even if that number is on a state or national do not call registry. I understand that my consent to such calls and text messages is not required to purchase products from or use the services of Sagewell and that I may contact Sagewell at [email protected] or (617) 397-3764 about its products or services at any time.

Earn a $250 bonus when you open a Sagewell Consumer Deposit Account and are approved for and enroll in our Advance Service. The bonus will be deposited into your Sagewell Consumer Deposit Account on the same day as your first Advance Service deposit following initial enrollment. No minimum balance or opening deposit required. Fees may reduce earnings. See website for details: https://www.sagewellfinancial.com/sagewell-bonus-terms-and-conditions/