Fort Knox Bank

Fort Knox Bank is the world’s first high-security savings account — an entirely new category of savings designed to protect the millions of Americans who fall victim to bank fraud every year. Whether you’re saving for the future or managing your funds more effectively, Fort Knox Bank was engineered to secure your funds from increasingly sophisticated fraud and scams.

Key Features:

Industry-first Intelligent Closed-Loop™ Protection.

Our proprietary patent-pending technology limits deposits and withdrawals to the same verified external funding source. In Protected™ Status, the only place your money can go is back to where it came from.

Active Account Cloak™ shields you from bad actors.

Fort Knox Bank savings account numbers are never exposed to third parties or external payment systems. Additionally, Fort Knox Bank account numbers are alphanumeric with special characters and are incompatible with any external funds transfer or payment system.

CLEAR® The Secure Identity Platform.

No passwords to steal or guess. Fort Knox Bank leverages CLEAR®, the secure identity platform, to ensure only you can access your account—no passwords required.

Suspicious activity? Lockdown™ status activated.

If suspicious activity is detected, your account immediately enters Lockdown™ status—automatically freezing all incoming and outgoing transfers to protect your funds.

Customized Security Zones.

Fort Knox Bank contains multiple defined security zones from login to funds transfers. Within these zones, you can configure your own security measures - for instance, requiring a Microsoft Authenticator soft token or a YubiKey physical token - and more.

No Instant Withdrawals.

No instant withdrawals. Ever. Scams rely on speed to drain accounts before their victims notice, whereas every Fort Knox Bank withdrawal remains pending for two business days allowing you ample time to review and confirm each transaction.

No links. No QR codes. Ever.

No links or QR codes will be included in our transactional communication — these are the primary tools used in phishing scams for account takeovers.

If it’s not .Bank, it’s not us.

Our .Bank domain confirms you’re on a verified and secure banking website — and not a lookalike fraud site. Only regulated banks that meet strict security standards are allowed to use a .Bank domain.

The Blacklist™.

Fort Knox Bank has a proprietary Blacklist™ of payment apps, banks, credit unions and neobanks with excessive risk profiles that cannot be linked to a Fort Knox Bank account for your protection.

Post-Quantum Encryption.

Fort Knox Bank incorporates cutting-edge post-quantum cryptographic algorithms to safeguard account data from future quantum computing threats.

We’re an FDIC-Insured Bank, Not a Fintech.

Fort Knox Bank is a division of Austin Capital Bank, a Federal Deposit Insurance Corporation (FDIC) insured independent community bank headquartered in Austin, Texas. As the bank behind Fort Knox Bank, we’ve been recognized as a national leader in financial services technology, security, and innovation. Our banking platforms have over 1 million users nationwide.