Save Local Business

Earn interest on your excess cash

Finally a home for your excess cash that you can feel good about. Earn competitive interest while driving change in our local food systems change.

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Your Dollars Drive Impact... While Earning Interest

Making a positive impact doesn't mean earning a negative return

Save Local Business

%

APY15

Your Dollars Drive Impact...While Earning Interest

Making a positive impact doesn't mean earning negative return

Save Local Business

Earn Up To

3.05
%

APY15

On Balances From $10,000 to $99,999.99. 1.05% APY15 on Everything Else

Your Dollars Drive Impact... While Earning Interest

Making a positive impact doesn't mean earning negative return

Save Local Business

Terms and APYs
Term APY3
3 Month 2.05%
6 Month 3.50%
1 Year 3.60%
2 Year 3.60%
3 Year 3.15%
5 Year 3.25%
10 Year 4.25%
100 Year 4.75%

Save Local Business

Big return & big impact

Competitive Interest

Earn interest on your excess cash without limiting your liquidity.

No Surprise Fees

$.01 minimum balance, no monthly fees, and no surprise charges5. Straightforward and simple.

FDIC Insured4

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

Permissioned Access

Delegate to employees without sacrificing control, by creating sub-users with permissioned access to specific accounts or pieces of functionality.

Safe & Secure

Industry-grade data encryption, multi-factor authentication - and all the security features you expect from anyone handling your hard-earned cash.

On a Mission

A different kind of bank than you're used to

B Corp Certified

B Corp Lab logo

We're B Corp Certified, and cooperatively governed by our mutual structure - so we work for the benefit of all our stakeholders, not just a select few investors.

Aligned Community

We're building a community, thousands strong, bound together by a shared passion for a more sustainable, equitable, and culturally vibrant future.

Long-Term Thinking

We're the first new mutual nationwide in 50 years, building an institution for the next 100 years - instead of chasing quarterly returns.

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Digital Banking with a Human Touch

The convenience of technology...mixed with old-fashioned warmth

Apply in Minutes

Apply for an account with your favorite device - phone, tablet, or laptop. No printers or wet signatures required.

The Features You need

Our online banking comes fully loaded with the features you need to manage your money on the go. Deposit checks with your phone, transfer money between accounts, view recent transactions - whenever, wherever you need.

Surprisingly Human Service for a digital bank

Hi! I'm Mel

Used to being treated like a number by faceless online companies? Scarred by bad experiences with big banks? Our Partner Experience team is uncommonly helpful, providing white glove levels of service to our nationwide community of partners.

"Partnering with Walden Mutual was an obvious decision. We both share the same values for promoting healthy nutrition and supporting artisanal and sustainable food production. They were able to quickly grasp our unique needs as a modern food company, understand our business model and provided us with the necessary funding to expand and scale."

Food Entrepreneur in Boston

"Agriculture is really going through a lot of changes, and we are so grateful to have found a financial partner that understands and wants to help us succeed."

Farm Owner in New York

"It's one thing to eat local and organic and wear natural fibers, but what is your money funding while it sits in your bank!?"

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Executive Director of a Non-Profit

"Charley and Christine know, understand and empathize with the challenges of the food industry. They are far more than bank reps and lenders; they are strategic partners, sounding boards, and advocates. For a small food business, it is unheard of to have access to banking partners like that."

Food Entrepreneur in New York

"Walden Mutual understands and empathizes with the challenges of the food industry. They are far more than bank reps and lenders; they are strategic partners, sounding boards, and advocates. For a small food business, it is unheard of to have access to banking partners like that."

Business Owner in the Hudson Valley, NY

"I find your tools so simple and easy to use. It's marvelous."

Walden Online Banking User

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Producers of high-quality bone broth for dogs that was searching for growth capital to enter the next stage of their evolution.

"We were looking for a bank that was friendly towards growing small businesses. Our past experiences with banks were characterized by excess red tape...but Walden is more relationship-oriented and interested in our business - so we were able to secure an increased line of credit to help us scale."

Kim Hehir, Co-Founder

Brutus Broth

Plant-based supplement start-up looking for cash flow relief to fuel new growth.

"When we first got connected with Walden, we were facing extremely high debt service costs that were putting a real strain on the business. It felt like we were stuck in a cycle that made it hard to invest in growth or even breathe. Walden’s products and services have helped us solve one of our biggest challenges: cash flow. By improving our cash flow dramatically, they’ve given us the ability to properly reinvest our operating profits back into the business. Walden shows up with real commitment, real flexibility, and real belief in our vision. It’s the kind of relationship we always hoped for but never found until now."

Ronald Change, Co-Founder

Ora Organic

Family of long-time farmers looking to establish their own operation, searching for the capital to acquire land.

"Working with Walden has been great, because for our family, coming into the opportunity to buy a place of our own finally in mid-life, having mostly farmed for a lot of our lives, we didn't have a lot of capital to run out there and buy a farm. Having a big part of our business be related to solar grazing, normal financing through the Farm Services Agency wasn't available to us in the same way it would've otherwise been...and Walden was willing to be flexible and see the value in this kind of unique business model."

Jesse Robertson-Dubois, Owner

Finicky Farm

Upstart gelato and coffee brand seeking capital to ease the pressure on cash flow that comes from harsh winter seasonality.

"After our first meeting with Charley, we knew Walden was very different in the world of banking...it seems we finally found a bank who values the local community of farmers and makers."

Robb Duncan, Co-Founder

Dolcezza Gelato & Coffee

Entrepreneur turned farmer, looking for financing to establish two-businesses-in-one: a community farm, and an overnight agrotourism destination.

"This unique bank you have created was a perfect match for what I needed and will have a lasting positive influence on the community for a long time to come. The property I purchased was unique with a unique set of challenges during the purchasing process. When I say Patrick went above and beyond what I would think his role would be, I'm underselling his help. This is a life changing project for me, so his help literally changed the course of my future."

Andrew Kane, Owner

Rumney Acres

Our Enterprise Package

Features for our spend local business accounts - specially designed for larger, More sophisticated organizations

Desktop Check Scanning

B Corp Lab logo

Too many checks to deposit with your phone camera? Use a desktop scanner (purchase price not included in service cost) to deposit in batches.

Enhanced Fraud Prevention

Minimize the risk of payment fraud with Enhanced Fraud Prevention. You maintain a list of approved payees (for both checks and ACH), and payments made to anyone else generate an exception for your review.

Extra Insurance

Through partnerships with other FDIC-insured banks,  we offer insurance up to $190,000,000 across your deposit accounts.

All for $99 per month

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