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The logo for luminate bank is a circle with dots on it.

Banking BRIGHTER

to provide a brighter banking experience for our customers

Working with Luminate Bank can be a win-win situation for both you and your client. Luminate Bank offers competitive rates, convenience of online banking, and outstanding customer service, all while helping your clients improve their financial well-being.


Thank you for allowing us the opportunity to help your clients build their financial wealth. We are eager to serve you and your clients.


What are the benefits of working with Luminate Bank?

  • Top in the industry technology in our online banking solutions
  • Debit card can be used at any Money pass ATM free of charge
  • Ability to deposit checks via mobile app and desktop scanners
  • No fee for bill pay


Checking Accounts:

Your personal checking account tends to see a lot of funds, which is why you need a bank you can rely on. When you work with Luminate Bank, you'll have access to the best plans for your future finances.

  • No minimum balance
  • No service fees
  • No random requirements
  • Competitive interest rates
  • Free Money Pass ATM


Business Accounts:

No matter your needs for your business, we've got you covered. Our checking account options are flexible, just like us, so that you never have to stress. From small to large businesses, we'll help you achieve your financial goals.

  • Interest bearing options
  • Statements compatible with CSV, TXT, Open Financial Exchange, QuickBooks, and Quicken

What Your Clients will Need to Gather

Below is the information needed for opening an account

  • Valid ID for ALL signers with current address

    If address is not current on ID, please provide proof of current address (ex. utility bill, piece of mail, etc.)

  • Social Security Numbers

    Your clients will be providing this information directly to the bank to open their account.

  • Email Address

    Client will provide email address for all account signers.

  • Phone Numbers

    Client will provide phone numbers for all account signers.

  • EIN Number

    EIN Number to be provided

  • EIN letter from IRS or tax return with EIN fully listed

    EIN or tax return with EIN fully listed

  • Business Articles

    Please provide business articles

  • Type of Business being conducted

    What type of business is being conducted?

  • Beneficial Ownership Information

    Do any owners own more than 25% of the business; if yes please provide name and the percentage that person or entity owns.  

  • Who should the primary contact for the account be?

    Who is the primary contact for the business account?

Banking Brighter Benefits

  • Integration with Zelle®

    Introducing Zelle® – a fast, safe and easy way to send money to friends, family and other people you trust, wherever they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered

  • Digital Wallet

    You'll be able to set up a digital wallet for your Luminate Bank accounts within Apple Pay, Google Pay, and Samsung Pay.

  • Online Account Opening & Set up

    Coming soon! You'll be able to open and set up new Luminate Bank accounts at your fingertips!

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