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VetraFi

VetraFi

Banking for Warfighters

6 ratings
4 reviews
📚 Education
💰 Finance
Free

Details

Released
September 25, 2026
Updated
September 25, 2026

Features

Developer

VetraFi, Inc.
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⭐4
Reviews↘︎
❓8 answered
FAQ↘︎
📦w/o updates
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About

Manage your finances with an all-in-one banking solution. Get paid early, earn interest on savings, and spend safely with a secured card. Open an account in minutes with no credit pull or annual fees.

✓Early direct deposit access
✓3.00% APY on savings
✓Secured charge card with no credit pull
✓Nationwide ATM access with fee reimbursement
✓Account opening in minutes
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What's New in VetraFi

1.0.2

September 25, 2026

User reviews

Most RecentHighest RatedLowest Rated

Get your finances in order first

I've helped over about 3,000 veterans find work. The ones who land well almost always have their finances in order first. When you're separating and job hunting, you need an account that doesn't charge you monthly fees and a card that keeps you from overspending. VetraFi gives you both
JLTMV!JLTMV!

Better than USAA in every way

Higher interest rate and easier interface. Exceptional service
FSUandrewFSUandrew

Built with military families in mind.

Military Spouse here. Set it up myself in five minutes. I am using HYSA to grow my emergency fund. It’s so easy to set up!
AFWife1026AFWife1026

Finally moved off my old bank

I kept my old bank account for 11 years mostly out of habit. I opened an account at VetraFi and moved my main spending over within a week. The app is simpler, I can see everything on one screen, and the savings rate is better than what I was getting. Also support was amazing and answered my question quickly.
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Jake17263Jake17263

FAQ

What is VetraFi?

VetraFi is a financial technology company that provides banking services through First Bank of the Lake, Member FDIC. It offers features like early direct deposit, savings accounts with interest, and a secured charge card.

How does VetraFi's early direct deposit work?

Eligible account holders can receive their pay up to two days early if their employer or paying agency submits payment information to First Bank of the Lake in advance. Early access is not guaranteed and may vary.

What are the savings account features in VetraFi?

VetraFi offers a savings account with a 3.00% APY, no minimum balance requirement, and no minimum deposit to open. Interest is earned on funds held in the savings account.

How does the VetraFi Shield Card work?

The Shield Card is a secured charge card. Your spending limit is based on the balance in your linked deposit account, ensuring you never spend more than you have. It requires no credit pull to open and has no annual fee.

Can I use any ATM with VetraFi?

Yes, you can use any ATM where Mastercard is accepted. VetraFi will reimburse eligible ATM fees up to $15 per month, with limits on the number of fees per statement cycle.

Is VetraFi safe to use?

Banking services are provided by First Bank of the Lake, Member FDIC, ensuring your deposits are eligible for FDIC insurance up to $250,000. The Shield Card is a secured charge card, and account security measures are in place.

How often is VetraFi updated?

The latest version of VetraFi is 1.0.2, and it was last updated on September 25, 2026. Updates typically include performance improvements and new features.

What devices does VetraFi support?

VetraFi is available for iPhone and iPod devices. It is designed for users who prefer mobile banking on Apple's iOS platform.