MPH Bank Review
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MPH Bank Reviews

Angela Mae Watson


Angela Mae Watson

The Ultimate Saving Solution
The Ultimate Saving Solution
About MPH Bank

Launched in 2018 in Florida, is an online bank that challenges the ways of traditional banking and strives to make people happy (MPH). It does this through a customer-focused, streamlined digital banking experience. The bank is FDIC-insured through Liberty Savings Bank and offers four accounts, a personalized dashboard, and several other financial tools for customers.

Where excels is its commitment to its customers long-term financial success and happiness. Not only that, but’s products and services are designed with the idea of offering the most value to its customers.










MPH Bank Online Banking Review

Backed by FDIC-insured Liberty Savings Bank, offers a simple digital banking service with four convenient accounts and several financial tools. This direct bank is based in Florida but operates nationwide.

MPH Bank Online Banking Highlights


min $25




Max 0.55%


55,000 free allpoint atms





Pros & Cons

  • Value-first and people-first digital bank with four convenient bank accounts (checking and savings)
  • Tools to achieve financial goals and success
  • Includes a personalized dashboard, debit card with access to 55,000+ ATMs, free credit report, and a user-friendly mobile app
  • Option to rebuild solid banking history for those who’ve been reported to ChexSystems
  • Limited account options for those looking for higher APY or business accounts
  • 0.55% APY on Spend Account is only available if you make 15 purchases or deposit $500 a month
  • Non-waivable $9 monthly maintenance fee on Fresh Second Chance Checking account

Account Type

  • Checking
  • Savings

MPH Bank Checking Highlights


min $25


Max 0.55%



MPH Bank Savings Highlights


min $25




Friends Account:

0.55% APY on Digital Spend (Checking Account) balances up to $5,000

Features Benefits & Rewards

  • Contactless debit card
  • Round-up widget to help save money
  • Money snapshot (to see all accounts in one place)
  • Personalized app
  • Free credit score and report
  • Receive paycheck up to 2 days early (checking account)
  • PayPal, Zelle, and Venmo connect
  • Mobile and direct deposit
  • Referral Rewards (only Friends Account)
  • No overdraft fee

Account Types


This account doesn’t have any fees and comes with a contactless debit card, personalized dashboard, and a “Goals” Saving Account. It also features a round-up widget that helps you save more money with every transaction. Other features include:

  • Get paid up to 2 days early
  • Digital spend (checking account)
  • Simplified bill pay
  • Free credit score and report
  • Online funds transfer
  • Direct deposit form
  • Mobile deposit
  • Zelle payments
  • Online help and secure chat
  • Online activity center
  • No overdraft or monthly fee

To open this account, you must have at least $500 in direct deposit for that month.

Account Type  Key Features Bonuses
Free Account
  • No hidden fees
  • Free credit score and report
  • Early paycheck access


The Friends account is meant for those who want to take advantage of’s general rewards program. This account costs $9 a month, though this fee is automatically waived the first month. It’s also possible to waive the fee every month as long as you have 15 posted mphCard purchases.

Key features of this account include:

  • Contactless debit card
  • Digital Spend Checking Account
  • Goals Savings Account
  • Personalized dashboard
  • Round-up widget and other savings tools
  • Simplified bill pay
  • Zelle, PayPal, etc.
  • Online funds transfer
  • Credit score review
  • Online chat
  • Mobile and direct deposit
  • No overdraft fees
Account Type  Key Features Bonuses
Friends Account
  • 0.55% APY on checking (Spend) account on the first $5,000
  • Get paid up to 2 business days early
  • Waivable monthly account maintenance fee


The First Account is for those ages 10 to 24 years old, or for college students with a limited income. It includes many of the same benefits as the other two accounts, including:

  • Contactless debit card
  • Early payment (up to 2 days)
  • Checking and savings accounts
  • Digital savings and account management tools
  • Online bill pay and peer-to-peer transfers
  • Direct and mobile deposit

If you’re under 18 years old, you’ll need a parent or guardian as a joint account owner.

Account Type  Key Features Bonuses
First Account
  • Free account to help those ages 10 to 24 build banking history
  • No overdraft or account management fees


Made for those who’ve previously had a bad banking experience or who’ve been reported by ChexSystems, Fresh is another free online checking and savings account. It includes:

  • Online activity center and free personalized dashboard
  • Direct and mobile deposit
  • Peer-to-peer payments online
  • Funds transfer
  • Contactless debit card
  • Credit score review
  • Early payment

This account does come with a $9 monthly service fee that cannot be waived.

Account Type  Key Features Bonuses
Fresh Account
  • Checking and savings account
  • Helps those with limited or poor banking history get back on track

Opening an Account With MPH Bank

If you’re ready to open an account with, head to the homepage and click the orange button that says, “Get Started.” From there, you’ll be asked to provide your email address, the type of account you want to open, and your referral code (if applicable).

Next. you’ll be given a list of criteria you must meet to open an account. If you’re eligible, click “I meet the criteria.” You’ll then see a screen indicating the features and requirements of your chosen account. If everything looks good, click “Add to cart.” Otherwise, change your account selection. Either confirm the account (product) in the cart by clicking “Next,” or add products (other accounts).

The next step is to get started with the account creation. Verify your email address and provide a mobile phone number. Also, check the boxes indicating you agree to the terms and conditions. Next, you’ll need to scan your ID – front and back. You’ll also need some other information, such as:

  • First and last name (yours and your child’s, if applicable)
  • Date of birth
  • Physical address
  • Social Security Number

Once you’ve completed the application, make a $25 opening deposit to open the account.

MPH Bank Step 1: click on
Screen 1

Step 1: click on "Get started"

State Availability

Available in all states

Privacy & Security

As is backed by Liberty Savings Bank, which was established in 1889 and is FDIC-insured on deposits up to $250,000. The bank may collect and share personal information, such as your SSN, income, and banking and credit history, for the purposes of offering banking services, marketing, or improving their product.

Following Liberty Savings Bank’s privacy policy, does not share information with its affiliates or non-affiliates. Residents of California and Vermont have additional protections and more limited data sharing. also has several security measures (in compliance with federal law) in place to prevent unauthorized access to personal data. Along with this, the website is encrypted to prevent hacking or theft of data.

Customer Support has a secure email address and a toll-free phone number you can use to contact them. To email them, you will need to have an account with them first. The bank also has several social media platforms, including Twitter, Facebook, and Instagram, which you can use to direct message them or post a comment.

Overall, is responsive, especially to phone calls. They do not list their operating hours, but they appear to operate during standard business hours Monday through Friday PST (excluding federal holidays).

On the Apple App store, has 5 stars but only four reviews. It’s not rated on Google Play and has very few customer reviews on other sites like BBB.

Phone Support
(800) 892-8798
Mon - Fri
8:00 AM - 5:00 PM PST
Sat - Sun

In Conclusion is a direct bank that’s dedicated to making people happy through useful digital banking tools that can help them achieve financial success. It’s a solid choice for those looking for a convenient way to bank entirely online.

Although the bank itself is only a couple of years old, it’s backed by FDIC-insured Liberty Savings Bank, which has a long history of offering value-driven services and products to customers.


What does stand for? stands for “Make People Happy.” This, along with providing value and helping people achieve financial success, is their main objective.
What types of tools or accounts does offer? has four different accounts, including one for those ages 10 to 24 years old and a rewards program for referring others. They also have a "Goals" account for those looking to save up for a specific thing. Additionally, is connected to services like PayPal, Venmo, and Zelle.
Does cost money?
Two of the four accounts are completely free. One, the Friends Account, comes with a $9 monthly fee that you can waive. The Fresh Account also costs $9 a month (non-waivable).

MPH Bank Disclaimer, or Liberty Capital, Inc., and its subsidiaries (collectively “Liberty”) require that all visitors to, and users of (collectively “you” or “your”), its internet website (the “Site”) adhere to the following rules and regulations regarding use of the Site as well as the rules and regulations of any specific products or services which you may receive (collectively the “Products”), whether such rules and regulations are now in existence or as same may be modified or changed from time to time. By visiting or using this Site you agree to these terms of use as well as the terms and conditions of Liberty’s Online Banking Agreement and the specific terms and conditions of any and all Products, and as same may be modified or amended from time to time by Liberty.

From time to time Liberty may establish links on the Site to sites of third parties, including vendors of certain products and services which may be co-branded with Liberty or otherwise. Liberty shall not be considered an agent of any such third parties and shall have no direct or indirect responsibility or liability to any party for any action, omission, or warranty of any kind concerning such third parties or their products or services. Further, Liberty does not endorse any such third parties or their products or services, and shall have no liability for the delivery, non-delivery, accuracy, timeliness or completeness of such third party products or services. Access to any third-party site linked to the Site is completely at your own risk. Be advised that websites can be defaced or altered by virus’ and other programming techniques that cannot be controlled by Liberty. Liberty disclaims any and all liability relating directly or indirectly to these methods and the use of the Site.

Not all of the Products are available in all geographic areas, and you may or may not be eligible for such Products. Liberty reserves the right to determine eligibility for any Product. Investment and insurance products and services (1) are not bank deposits and are not insured by the FDIC, (2) are not guaranteed by Liberty, and (3) are subject to substantial risk, including the possible loss of some or all of the principal invested.

You acknowledge and agree that any communications and/or information which you provide to us via the Site or via other electronic means is on a non-confidential basis and may be used and/or reproduced by Liberty for any purpose, subject to Liberty’s privacy statement and policies. You acknowledge and agree that information sent via electronic mail may be intercepted by third parties, and that Liberty cannot guaranty the confidentiality of any information sent via the internet to the Site or otherwise, except as expressly provided herein.

Liberty specifically disclaims any and all liability for any direct, indirect, consequential, incidental, or special damages, loss, cost or expense which you may incur arising out of or in any way connected with your access or use of the Site or the Products, or linking to any third party sites. Further, you acknowledge and agree that Liberty makes no warranty of merchantability or fitness for a particular purpose with respect to use of the Site or with respect to the Products, and Liberty expressly disclaims any and all other warranties with regard thereto.

The terms and conditions of Liberty’s Online Banking Agreement are incorporated herein by reference, and the Terms of Use set forth herein shall be deemed incorporated in Liberty’s Online Banking Agreement.

Any and all pages, screens, text, content and images are owned by Liberty and/or others as may be indicated, and may not be downloaded, copied, displayed, distributed, licensed, modified, published, reposted, reused, resold, reproduced, transmitted, used for a derivative use, or otherwise used without the express prior written consent of Liberty.

You acknowledge and agree that there may be delays, omissions, errors or inaccuracies with respect to the Site and the Products, and that this Site may be inaccessible or closed at any time without notice. You agree that Liberty may deny or terminate access to the Site and any Product, or any portion thereof, at its sole discretion, without notice and without limitation. In the event of such limitation or termination, you agree that Liberty shall have no liability with respect thereto.

You agree to indemnify Liberty from and against any and all direct and indirect liability, loss, cost and expense, including reasonable attorney fees, arising as a result of illegal or unlawful use of this Site by you, your failure to comply with these Terms of Use, and/or your failure to comply with your responsibilities herein. Your obligations hereunder will survive any termination of your use of the Site, these Terms of Use, and your use of any Products. You acknowledge and agree that use of the Site shall be subject to Ohio law as well as applicable federal law, and that venue for any matters arising under these terms of use shall be located at Dayton, Ohio. has been submitted for registration.

Liberty Savings Bank, FSB is a registered trademark.


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Angela Mae Watson

Angela Mae is a personal finance writer specializing in loans, debt management, investing, retirement planning, and financial literacy. She comes from a journalistic background and pulls from hands-on experience and deep-dive research to breathe life into her stories. Her goal is to help others achieve financial stability and independence. When not writing, she can be found traveling, honing her yoga skills, hiking, or exploring new means of healthy, sustainable living.