Payhammer is a digital financial solution that gives you an FDIC-insured checking account, a Payhammer Visa® Debit Card, and simple tools to manage your money — all from your phone, with zero hassle.
Payhammer is not a bank — Payhammer is a financial technology company. Banking services are provided by Cross River Bank, Member FDIC, and your deposits are insured up to $250,000 per depositor, per account ownership category.
Download the PayHammer app, sign up with your personal details, and complete a quick, secure application. Once you’re approved you can set up direct deposit and activate your debit card.
No surprises, no hidden fees. Your PayHammer checking account has no monthly maintenance fee and no overdraft fees.
Lightning fast. Transfers between PayHammer members are instant. Sending to another bank? Usually 1–2 business days.
Nope. Opening a PayHammer account doesn’t require a credit check, and having one won’t affect your credit score.
Not required, but highly recommended. With direct deposit your pay lands in your account automatically every cycle, so your money is ready when you are.
100%. We partner with Cross River Bank, Member FDIC, and use bank-grade encryption to keep your funds and data secure. Safety is non-negotiable.
Absolutely. PayHammer follows all federal and state guidelines for digital banking. Transparency and compliance are part of our DNA.
Everything. Direct deposit, instant transfers, bill pay, savings tools, and a sleek PayHammer debit card you can use anywhere major cards are accepted.
Nope. We don’t believe in punishing you for using your money. If you don’t have it, the transaction just doesn’t go through. Simple.
Yes! Your PayHammer account goes where you go — just update your direct deposit details with your new employer.
We’re here 24/7. Hit us up via in-app chat, email us at support@payhammer.com, or call our support line. Real humans, real fast.
