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2 Accounts: Checking + Savings

Get approved for a US account from home, and spend when you arrive

Get started
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No monthly fees, no minimum balance

Keep more of your money

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Plays nicely with others

Adro works with Google Pay, Apple Pay, Cash App and Venmo

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FDIC-insured

... up to $250,000 through Stearns Bank, N.A., Member FDIC

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No SSN required to sign up

Get started with a passport and selfie. View all requirements  

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Extra safe with 2FA

Through SMS and Authenticator

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Save on international transfers to your Adro account

We charge $0 inbound wire transfer fees when you move money into your Adro account.

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Add money to Adro, then get a proof of funds letter

Whether you need financial documents to enter the US, or to submit as part of your university acceptance or visa application, we’ve got you covered.

Sign up
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Your checking account for everyday spending

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Get a virtual and physical US dollar debit card

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2 free withdrawals per month, from any ATM1

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No hidden fees

... plus a savings account to build good habits

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Receive ACH payments and wire transfers

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Access discounts through Adro Perks

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Automate savings with recurring transfers

Adro Shorts

Add money to your reserve account. This is the spending limit for your card.

Add money to your reserve account. This is the spending limit for your card.

Add money to your reserve account. This is the spending limit for your card.

Got questions?

What’s FDIC anyway, and why should I care?

FDIC insurance, backed by the US government, protects your deposits up to $250,000 per account type at each FDIC-insured bank. This means your money is safe, in case of a bank failure. Every account you open with Adro is FDIC-insured through Stearns Bank N.A., Member FDIC.

What’s the difference between checking vs. savings?

Checking accounts are great for everyday transactions like purchases, bill payments, and cash withdrawals from an ATM. Savings accounts are better for storing extra cash, like an emergency fund or for a flight home.

Can I hold multiple currencies in my account?

Adro accounts hold US dollars only. If you’re sending money from your home country via ACH or wire transfers, the money received in your Adro account will be in US currency.

Do I need to open both accounts if I only need checking?

You can choose to open one or both accounts, the decision is up to you.

Adro launches in 2024

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Your money feels at home with Adro

From rent to groceries, move and manage your money seamlessly

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©2025 AdroCard, Inc. Adro is a financial technology company and not a bank. Banking services are provided through Stearns Bank, N.A., Member FDIC.