Empowering communities with innovative financial solutions
From digital checking accounts to debit cards, we make managing money simple, secure, and stress-free.
Get StartedPayhammer is not a bank. Payhammer is a financial technology company. Banking services are provided by Cross River Bank, Member FDIC.
Checking and Savings Accounts
Checking and savings accounts are provided by Cross River Bank, Member FDIC1
Payhammer Visa® Debit Card
Spend anywhere Visa is accepted, with physical and virtual card options1
Advanced Security
Biometric login (FaceID/TouchID), fraud monitoring, and industry-standard data encryption
Financial Management Tools
Aggregate your spending, pay bills, and peer to peer transfers
How It Works
- 01
Download the App & Sign Up
Get started by downloading the Payhammer app and creating an account with your personal details on our secure platform.
- 02
Open Your Payhammer Account
Complete a quick, secure application to open your Payhammer checking account, provided by Cross River Bank, Member FDIC.
- 03
Set up Direct Deposit
Point your paycheck at your Payhammer account so your pay lands automatically every cycle.
- 04
Activate Your Debit Card
Activate your Payhammer Visa® Debit Card and start spending anywhere Visa is accepted.
- 05
Manage Your Money
Track your balance in real time, pay bills, and send transfers to other Payhammer members.
Everything you need in one secure, stress-free financial platform
Payhammer offers a checking account, a Payhammer Visa® Debit Card, and peer-to-peer transfers through our partner bank, Cross River Bank, Member FDIC. Deposits are FDIC-insured through Cross River Bank. A modern way to manage money with simple features designed to support your everyday finances.
Get Started Today
FDIC-Insured Through Cross River Bank
Deposit account provided by our partner bank, Cross River Bank, Member FDIC. Deposits are FDIC-insured through Cross River Bank.
All-in-One Finance App
Manage everything from checking to transfers in a single, easy-to-use app
Same Day ACH Deposits
ACH deposits between Payhammer members may be available as early as the same day
Peer to Peer Transfers
Send and receive money quickly with friends and family
No Credit Check, No Stress
Open your account without any credit hurdles or unnecessary hassle
Clear Transaction History in Quick View
Easily track your spending with a clear, organized transaction history available at a glance
ACH deposits may be available as early as the same day
ACH deposits between Payhammer members may be available as early as the same day, helping keep your cash flow moving.
- Get paid faster
- Reliable transfers
- No delays, no stress
Get paid fasterDeposits are FDIC-insured through our partner bank, Cross River Bank, Member FDIC. Payhammer is not an FDIC member.
Financial Products
At Payhammer, we make managing money simple and stress-free with flexible financial products built for everyday life. From personal checking and savings accounts to physical and virtual debit cards, our tools are designed to give you secure, convenient access to your money—anytime, anywhere.
Personal Checking account
A secure everyday account that helps you manage spending, track deposits, and access your money with ease.
Personal Savings account
Set money aside and build toward your goals with a secure savings account provided by Cross River Bank, Member FDIC.
Physical /virtual Debit Cards
Enjoy secure access to your funds with debit card options that fit your lifestyle—whether you prefer physical, digital, or virtual cards.
Banking Services are provided by Cross River Bank, Member FDIC.
