Orbit is an FDIC-insured neobank offering 5.1% APY on your full balance, 1.5% cashback on recurring bills, and instant virtual cards for every subscription. No minimums. No overdraft fees. No monthly charge.
We don't sell 27 features. We built the three that matter.
No tiers. No minimums. No "only the first $2k." Every cent earns the top rate the moment it hits the account, compounded daily and paid monthly.
Pay rent, electric, streaming, insurance — get 1.5% back on every recurring charge. No cap. Credit bills usually don't earn cashback. These do.
Spin up a dedicated virtual card for every service. Freeze, rename or delete with a tap. Cancel a subscription without calling anybody, ever.
Every dollar is held at a partner chartered bank. Every certification is independently audited.
Beta invites rolling out weekly in priority order. First 10,000 get a $50 starter credit and lifetime 5.25% APY guarantee.