FAQ

General

AIRY9 provides Modern full stack banking services for startups and SMB. Your account comes with:

  • Checking account
  • Savings account earning 1–1.80%
  • Debit cards
  • ACH payments
  • Check payments
  • Domestic and international wire transfers
  • Nice tools and features

Yes, your savings and checking accounts are both insured up to the FDIC limit. AIRY9 works with FDIC-insured banks, to store your deposits. The banking provider for your AIRY9 account can be found by going to airy9.com/legal while logged into your AIRY9 account.

You’ll need a U.S. company with a federal EIN, your company’s articles of incorporation, and a picture of your government ID (e.g. a passport or driver’s license).

AIRY9 accounts are free. We don’t have minimum balances, account opening fees, or monthly fees. The only things that cost money are wire transfers, which are $5 domestically and $35 internationally. Get more detail by going to our Pricing page.

Yes, we definitely do. We’re proud to support U.S. companies founded by people from across the globe.

AIRY9 makes security a top priority. Some things we do to ensure your account safety include:
  • Requiring HTTPS on all pages, and use HSTS to ensure browsers only ever connect to us over a secure connection.
  • Employing a third party to perform penetration testing each year to check for vulnerabilities.
  • Storing passwords hashed with the bcrypt algorithm. We never store or log your plaintext password.
  • Using Time-based One Time Passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
  • Encrypting our database and all uploaded images. We employ additional encryption for sensitive data, like social security numbers.
  • Never storing your debit card number.

We’ll accept U.S. companies that aren’t money services businesses or involved with adult entertainment, marijuana or internet gambling. Our product is geared towards tech companies, so it might not be the best fit for some other businesses, especially ones that frequently deal with physical cash.

Security & Privacy

We use your SSN solely to verify your identify. We do not check your credit score or perform any credit checks.
 

Authy and Google Authenticator are two-factor authentication apps that we use to make logging into your account more secure. Authy and Google Authenticator work by generating codes that are unique to the device they’re downloaded on, providing an extra layer of verification that the actual account owner is attempting to log in.
 

AIRY9 works with FDIC-insured banks, to store your deposits. The banking provider for your AIRY9 account can be found while logged into your AIRY9 account.

Text message two-factor authentication can be compromised by hackers who port your phone number (referred to as a “Port-Out Scam”). We require Authy or Authenticator as an alternative as they can’t be compromised in this way.

Yes, your savings and checking accounts are both insured up to the FDIC limit of $250,000. You can learn more about FDIC insurance through their own FAQ here.

AIRY9 makes security a top priority. Some things we do to ensure your account safety include:
  • Requiring HTTPS on all pages, and use HSTS to ensure browsers only ever connect to us over a secure connection.
  • Employing a third party to perform penetration testing each year to check for vulnerabilities.
  • Storing passwords hashed with the bcrypt algorithm. We never store or log your plaintext password.
  • Using Time-based One Time Passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
  • Encrypting our database and all uploaded images. We employ additional encryption for sensitive data, like social security numbers.
  • Never storing your debit card number.

Plaid makes a product that allows users to securely connect bank accounts to apps. They’re used by companies like American Express and Venmo to authenticate and verify bank accounts instantly. We use Plaid to allow users to connect their other business bank accounts with AIRY9. This enables us to facilitate quick transfers between accounts and centralize your financial data on one dashboard. You can learn more about Plaid at plaid.com.

Sending and Receiving Money

You can find wire details for each of your accounts by going to your Account page or through the Add Funds flow.

Yes, you can send checks for free through your AIRY9 dashboard by going through the Send Money flow.
 

Yes, you can send money via ACH for free through your AIRY9 dashboard by going through the Send Money flow.
 

Yes, you can deposit checks through your AIRY9 dashboard by going through the Add Funds flow.

We don’t support cash deposits for now. Email us at [email protected] if you need help with this.

Yes, you can send wires through your AIRY9 dashboard by going through the Send Money flow. Domestic wires cost $5 and international wires cost $35.
 

Yes, you can send wires through your AIRY9 dashboard by going through the Send Money flow. International wires cost $35.

Debit Card

Your debit card should arrive in a plain white envelope to your business address within 8-10 business days of account approval.
 
 

You can replace your card by going to your AIRY9 dashboard, finding your debit card under its associated account page, and clicking Replace Card.
 
 

Go to airy9.com/activate and set a PIN for your card once you’ve received it.

Yes, our debit cards can be used at ATMs. We don’t charge any fees on top of what the ATM operator charges. Our cards are part of the Moneypass ATM network, so Moneypass won’t charge any fees on cash withdrawals with AIRY9 debit cards. You can find a list of Moneypass ATM locations here.

Go to your AIRY9 dashboard and find your debit card under its associated account page. You’ll be able to change your PIN from that page.
 
 

We don’t currently support cash deposits. Let us know at [email protected] if this is something you want to do.

Login to your AIRY9 account and check our support page to find contact details for us. You may also want to replace or cancel your debit card by going to your AIRY9 dashboard, finding your debit card under its associated account page, and clicking Replace Card.
 

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