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Accounts and Onboarding

Banking basics for experiences far from ordinary

With user controls, Helix’s feature-rich account products—for spending, saving, and managing money—transform everyday banking into loyalty-building personalized experiences. Powering secure digital banking with PCI-compliant services and support for FDIC-insured deposit accounts for our partner bank clients.1

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by Q2

Reimagine Banking

The building blocks

Start here to create personalized experiences users can’t get anywhere else.

DDA Accounts
DDA Accounts Mobile Dashboard

Increase brand value with the embedded, full features of a secure checking account with debit card.

  • Individual and joint accounts
  • Digital wallets
  • Business accounts
  • HSA accounts
Savings Accounts
Savings Accounts Dashboard on Mobile

Tailor savings accounts for what matters to people, with functions that makes it easy to save for purchases, build security, and achieve goals.

  • Individual, couples, and family savings accounts
  • High-yield savings accounts
  • Goal-based savings accounts
  • Emergency savings accounts
Minor Accounts
Minors Account Dashboard on Mobile

Offer minor accounts owned by parent or guardian—with no KYC for child—to provide tools for good financial habits through hands-on spending and budgeting.

  • Family savings accounts
  • Allowance management accounts
  • Checking accounts
FBO Accounts
FBO Account dashboard on mobile

Open FBO accounts with your partner bank without KYC requirements. Personalize experiences through our unified ledger to mitigate risk.

  • Escrow accounts
  • Custodial accounts
CD Accounts
CD Account mobile dashboard

Use certificates of deposit accounts to create stickiness and help users build wealth.

  • Individual and joint accounts
  • Rainy-day fund accounts
  • Long-term savings accounts
Business Accounts
Business Account mobile dashboard

Expand relationships with customers who own businesses. Offer unique experiences for creators, social media influencers, entrepreneurs, SMBs, even trusts and non-profits.

  • Business checking accounts
  • Business CD accounts
  • Business savings accounts
  • FBO accounts

DDA Accounts

DDA Accounts Mobile Dashboard

Increase brand value with the embedded, full features of a secure checking account with debit card.

  • Individual and joint accounts
  • Digital wallets
  • Business accounts
  • HSA accounts

Savings Accounts

Savings Accounts Dashboard on Mobile

Tailor savings accounts for what matters to people, with functions that makes it easy to save for purchases, build security, and achieve goals.

  • Individual, couples, and family savings accounts
  • High-yield savings accounts
  • Goal-based savings accounts
  • Emergency savings accounts

Minor Accounts

Minors Account Dashboard on Mobile

Offer minor accounts owned by parent or guardian—with no KYC for child—to provide tools for good financial habits through hands-on spending and budgeting.

  • Family savings accounts
  • Allowance management accounts
  • Checking accounts

FBO Accounts

FBO Account dashboard on mobile

Open FBO accounts with your partner bank without KYC requirements. Personalize experiences through our unified ledger to mitigate risk.

  • Escrow accounts
  • Custodial accounts

CD Accounts

CD Account mobile dashboard

Use certificates of deposit accounts to create stickiness and help users build wealth.

  • Individual and joint accounts
  • Rainy-day fund accounts
  • Long-term savings accounts

Business Accounts

Business Account mobile dashboard

Expand relationships with customers who own businesses. Offer unique experiences for creators, social media influencers, entrepreneurs, SMBs, even trusts and non-profits.

  • Business checking accounts
  • Business CD accounts
  • Business savings accounts
  • FBO accounts

FEATURE HIGHLIGHTS

Beyond Basic

Solve problems, build loyalty, and grow revenue with features beyond basic.

  • early-direct-deposit-icon

    Early direct deposit

    Get customers their direct deposit or tax refunds two days earlier than anyone else.

  • personalized-accounts-icon

    Personalized accounts

    Customize ACH transactional controls and personalize overdraft to enhance experience while controlling risk.

  • infinite-accounts-icon

    Program risk management

    We charge by user, not account, so you can offer unlimited accounts to support limitless financial goals, while scaling efficiently.

  • 6346d966f4a1627df31f970c_digital-statements-icon

    Statements and tax

    Statements and tax documents are auto-generated and sent digitally, making it easy for users and saving you money.

Plus full-featured functionality across all account types

  • Access to thousands of no-fee ATMs
  • Mobile check deposits
  • Direct deposit
  • ACH, check, wire, and P2P funding options
  • Joint account options
  • View-only options for non-account holders
  • Real-time notifications for activity
  • Real routing account numbers

EXPERIENCES

Better experiences.
Starting with the first experience.

 

Customized onboarding

  • Custom registration workflows tailored to your users
  • Pre-built integrations with KYC and KYB service providers
  • No difficult out-of-wallet, knowledge-based authentication
  • More auto-approvals and less fraud
customized-onboarding-dashboard

Personalized controls

  • Control spending on users’ terms—from transaction type to merchant to device to geography—to achieve unlimited goals
  • Limit spending authorization at program level to control fraud
  • Use behavior data to incrementally expand functionality and design new products that solve more problems, keep users engaged

This is how human-centric finance works.

Accounts Personalized Controls Menu on mobile

Unified, real-time ledger

Our real-time, unified ledger is your single source of truth, eliminating the pain—and regulatory risk—of disparate systems and once-a-day batch processing.

Employees, partner banks, and regulators always have access to the data they need.

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Ready to delight all customers with personalized accounts?

Let's Talk

1. FDIC insurance is provided by insured depository institutions and is subject to applicable FDIC rules and coverage limits. PCI compliance applies to designated in-scope Helix environments and services.