FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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Money Market
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A new direction in banking.

4.50%
APY*
Start saving today with a 100% insured Windward high yield money market account
Minimum opening balance $25,000
Apply now

Ethos

Windward Bank is a dynamic banking experience with advanced digital tools, unlimited deposit insurance, a century of experience, robust security, and a values-driven mission.

Security

Everything you need to empower your financial journey. From everyday banking to complex financial planning, we provide a full suite of services designed to grow with you.

Progress

Invest in a future that aligns with your values. Our commitment to sustainable banking helps you support environmental and social initiatives through your everyday banking choices.

Empowerment

Step into the future of banking with our state-of-the-art financial technology. We're not just keeping up with the times—we're defining them.

Easy Account Management

Manage your account through our easy online and mobile banking platform. Check balances, transfer funds, and more from anywhere anytime.

Move toward your destination

with purpose and advantage

Windward

Technology

Leading-edge technology with a focus on advanced security measures to keep your data and assets safe.

Innovative

Stay ahead with predictive financial insights. Our tools analyze your spending patterns and upcoming expenses to give you tailored advice on how to optimize your financial health.

Secure

Sleep soundly knowing your assets are protected. We offer 100% insured deposits backed by both the FDIC and the Deposit Insurance Fund, ensuring that your funds are safe and sound, every account, all amounts.

Access your accounts anywhere anytime with the Windward mobile banking app.

Secure innovation

Certified B-Corporation

The B Corp Declaration of Interdependence

We envision a global economy that uses business as a force for good. This economy is comprised of a new type of corporation – the B Corporation – which is purpose-driven and creates benefit for all stakeholders, not just shareholders.

As Certified B Corporations and leaders of this emerging economy, we believe:

  • We must be the change we seek in the world.
  • All business ought to be conducted as if people and place mattered.
  • Through their products, practices, and profits, businesses should aspire to do no harm and benefit all.
  • To do so requires that we act with the understanding that we are each dependent upon one another and thus responsible for each other and future generations.

Fully Insured**

Windward Bank is one of the few banks in the nation with Member FDIC and Member DIF insurance. Have peace of mind knowing your deposit accounts of any amount are 100% insured.

Accounts

Easy, safe and secure. Flexible solutions and powerful digital tools to keep you moving forward.

CDs

Competitive fixed rates of return, with a variety of terms to meet your goals.

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Savings

Higher rates, steady interest with flexibility and access to funds. Competitive rates and deposit insurance.

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Checking

No monthly service fees, no overdraft fees. Access your money when and how you choose.

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FAQs

Here are a few answers to frequently asked questions

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What is a digital bank?
A digital bank is a financial institution that operates entirely online without physical locations. It provides banking services such as savings accounts, checking accounts, loans, and investment opportunities through digital channels like websites and mobile apps.
Is a digital bank safe?

Yes, digital banks use advanced security measures such as multi-factor authentication and encryption to ensure the safety of your transactions and personal information. Additionally, digital banks are regulated by financial authorities that oversee traditional banks with physical locations.

What are the benefits of using a digital bank?

Digital banks offer convenience, lower fees, higher interest rates on savings accounts, and innovative features such as mobile check deposit. You can manage your finances anytime, anywhere, without needing to visit a physical office.

How do I open a Windward Bank account?

Opening an account with us is simple and can be done entirely online. Just visit our website or download our mobile app, follow the instructions, and provide the necessary information. You may need to verify your identity using government-issued ID and other documents.

Get started

Discover a new direction in banking.

Move forward, with Windward.

Open Account

Rates effective as of 8AM 12/20/24 and subject to change without notice.

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*Annual Percent Yield (APY) for the Advantage Money Market Account is variable and subject to change at any time. $25,000 minimum deposit required to open.

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**While the Federal Deposit Insurance Corporation (FDIC) insures deposits up to $250,000 per depositor, per institution, DIF insurance offers additional coverage. With DIF, all deposits above the FDIC limits are insured in full.