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Use Lightning.

Win Stock!

 It's That Easy!

The Lightning Card. The only debit card that grows your portfolio for you.

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HOW IT WORKS

Three Steps To Get Free Stock Shares

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Use Lightning
Get Tickets
Convert Into Stock Shares

Use and Save with Lightning anywhere with no domestic or ATM fees

Earn tickets the more you use lightning.

Watch as your portfolio grows anytime Lightning strikes and your tickets are turned into shares of top S&P 500, Nasdaq, and NYSE companies.

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Lightning Storm!

Turn on Direct Deposit and Get 2x more Tickets! More Tickets means more stock!

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Pay Fewer Taxes!

Holding stocks for over a year gives you access to long-term capital gains! As low as 0% tax!

Buy and sell stocks on our built-in trading platform!

Have direct access to all your stocks on our trading platform that has 100% free commission trading.

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Security & support

Your Security Is Our Priority

Lightning Uses the highest grade encryption and security to insure that you can rest assured at night knowing your portfolio is growing for you.

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FDIC 
Insured Banking

Your money is held in an account eligible for pass-through FDIC insurance up to $250,000 through Stride Bank and Trust

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State of The Art 
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Your account is protected by bank-grade encryption and authentication.

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Customer Support
At Your Fingertips

Have questions? We’re always here to help. Just send a message to our Member Services team.

FAQ

You Ask. We Answer.

What is Lightning?


At Lightning, we’ve created a new approach to mobile banking that doesn’t rely on fees, and helps you grow your portfolio automatically. When you open a bank account through Lightning, you get a Visa Debit Card® and a Checking Account that can be managed entirely from your smartphone, plus a brokerage account that allows you to see your growing portfolio automatically. The Lightning mobile banking app is available on both Android and iOS. Lightning is a financial technology company. Banking services provided by Piermont Bank, N.A.; Members FDIC.




What is Lightning's mission?


Lightning’s mission is to give the power of compounding interest to all. We’re doing that by giving all our members free exposure to the stock market. Lightning’s business was built on the audacious goal of trying to put a dent in income inequality and wealth building while protecting our members. We’ll never profit from mistakes or misfortune.




So, how does Lightning make money?


Unlike traditional banks that may charge consumers fees left, right, and center, Lightning makes money from “interchange.” Every time you use your Lightning Debit Card, Visa processes the transaction and charges an interchange fee for the service. We get a percentage of that interchange fee every time you use your Lightning Debit Card, which means we never have to charge you those unnecessary fees to run our business.




Who can use Lightning?


U.S. Citizens 18 years and older are welcome to apply! While Lightning cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.





What is Lightning?


At Lightning, we’ve created a new approach to mobile banking that doesn’t rely on fees, and helps you grow your portfolio automatically. When you open a bank account through Lightning, you get a Visa Debit Card® and a Checking Account that can be managed entirely from your smartphone, plus a brokerage account that allows you to see your growing portfolio automatically. The Lightning mobile banking app is available on both Android and iOS. Lightning is a financial technology company. Banking services provided by Piermont Bank, N.A.; Members FDIC.




What is Lightning's mission?


Lightning’s mission is to give the power of compounding interest to all. We’re doing that by giving all our members free exposure to the stock market. Lightning’s business was built on the audacious goal of trying to put a dent in income inequality and wealth building while protecting our members. We’ll never profit from mistakes or misfortune.




So, how does Lightning make money?


Unlike traditional banks that may charge consumers fees left, right, and center, Lightning makes money from “interchange.” Every time you use your Lightning Debit Card, Visa processes the transaction and charges an interchange fee for the service. We get a percentage of that interchange fee every time you use your Lightning Debit Card, which means we never have to charge you those unnecessary fees to run our business.




Who can use Lightning?


U.S. Citizens 18 years and older are welcome to apply! While Lightning cards work all over the world, currently we can only offer accounts to members with a valid SSN, living in the United States and District of Columbia.





Your Portfolio

Start Growing 

With Lightning

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Applying for an account is free and takes less than 2 minutes. 

Download the app from one of the stores

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Contact Us:
1800-353-4794

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Banking services provided by The Bancorp Bank or Stride Bank, N.A., Members FDIC. The  Lightning Visa® Debit Card is issued by The Bancorp Bank or Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The  Lightning Visa® Credit Builder Card is issued by Stride Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see back of your Card for its issuing bank.

By clicking on some of the links above, you will leave the  Lightning website and be directed to a third-party website. The privacy practices of those third parties may differ from those of  Lightning. We recommend you review the privacy statements of those third party websites, as Lightning is not responsible for those third parties' privacy or security practices.

© 2021 Lightning X, inc. All Rights Reserved.