For Individuals

Plant Your Pennies

Earn up to 3.25 APY1 on your dollars while driving tangible impact in our local food and agriculture ecosystem.

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Tailored Solutions for Every Need

Spend Local Accounts

Money Movement on Your Terms

Mobile deposit capture, free ATM access, unlimited free bank transfers, and a beautifully designed metal debit card.

No surprise fees

No monthly maintenance fees and a $.01 daily minimum balance.

Safe & Insured

FDIC insurance up to $250,000 - with more coverage available by request.

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Save Local Accounts

Up to 3.25% APY

Grow your change with market-leading interest.

Simple & Free

Unlimited transfers in & out, plus no monthly maintenance fees and a $.01 daily minimum balance.

Better Together

Pairs perfectly with our Spend Local accounts as a home for your rainy day cash.

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Local Impact CDs

Competitive Interest

Longer-term commitments mean higher returns on your investment.

Easy & Straightforward

Just a $1,000 minimum initial deposit to start. Open and fund a Spend Local account first, before requesting your Local Impact CDs.

surprising flexibility

Life happens. For a fee, you can withdraw your funds early.

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what people are saying

"This is the bank account of my dreams! We’ve always been committed to non-harmful banking, but to have it supporting businesses in our backyard is so exciting!"

Walden Depositor in Vermont

"The debit cards are so pretty!"

Walden Debit Cardholder

"I'm so excited about our new accounts and consolidating our finances in a way that supports both us and local food!"

Walden Depositor

"Great way to put your money where your mouth is, assuming your mouth is in favor of environmentally sustainable world. I moved my funds to this bank because I realized that staying in a Big Four bank was my biggest carbon footprint. I didn’t want to be a problem. I wanted to be part of the solution."

Google Reviewer

The Sustainable Online Bank You've Been Waiting For

Not just "mission driven"; mission-built from the ground-up

Your Money Can Sleep Soundly

Your dollars fund loans that support positive and lasting change in our local food ecosystem. Finally align your finances with your values.

"MUTUAL" MEANS COOPERATIVE

We're the first new mutual nationwide in 50 years - a cooperative structure that holds us accountable to our long-term commitments.

Partner Perks

Supporting positive and lasting change to our local food ecosystem can also taste really good.

‍Check out our Partner Perks.7

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How To

Get Set-Up at Walden Mutual

1. Apply for a Spend Local Account

Applying takes less than 5 minutes and is done completely online.

2. Fund Your
Account

Deposit at least $100 in your account to meet the minimum initial deposit.

3. Switch Your
Direct Deposit

Direct your paycheck to your new checking account.

4. Update your
Bill payments

Update the payment information stored at all the places you make recurring payments.

5. Debit card
Arrives

10-15 business days after your account is opened, your metal Walden debit card will arrive (if you indicated you wanted one).

6. Open a Save
Local Account

Maximize your returns by requesting a Save Local account within online banking.

7. Open Local
Impact CDs

Earn even more by opening Local Impact CDs with a minimum initial deposit of $1,000.

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Timeless Values, Modern Digital Banking

Easy-to-use digital tools allow you to manage your dollars from anywhere.

Apply for an account in minutes

Apply for an account online in 5 minutes or less using your phone, tablet, or desktop browser.

Simple & Fast Transfers

Link your existing bank accounts just by logging in, and then seamlessly transfer funds.

Easily deposit checks

Use your phone camera to deposit checks in seconds without the hassle of leaving your home.

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