Benefits
Cash Rewards
An innovative and flexible cash-driven rewards engine.
5-50x more cashback than other apps
Hundreds of brands
Unlock weekly bonuses
Live rewards support
Good Banking Pays
As you shift more cash and spending to your Build account, the corresponding cash rewards significantly increase.
Free debit card purchases
Funding bonuses
Direct deposit bonuses
Bill pay bonuses
Level Up
The Build rewards engine is gamified to encourage and award usage and ‘top of wallet’ banking.
Use Build more and you get better weekly cash bonuses
Gamified rewards
Unlock premium benefits as you shift more banking to Build
Usage-based APY increases
No Fees
Build's rewards-centric model enables us to operate with a no monthly fee structure.
No minimum balance for active accounts
Send money to anyone with a Build account for free (+ five free external transfers per month)
Free debit card
Fee-free ATMs
Frequently asked questions
If you don’t find the answer to your question below, please contact us via Help Center button below
General Questions
Rewards
Privacy & Security
Weekly Bonus
What is Build?
Build is a powerful, rewards-first financial technology platform. When
you bank with Build, you can earn cash in different ways that can
meaningfully increase your checking balance.
What are the benefits of Build?
Most banks and other financial technology companies make rewards an
afterthought. Usually, they work with a third-party rewards provider,
which provides users with just another boring cashback program. Build
is the first financial service that owns the relationships with each
of the trusted brands in the Build app. By working directly with each
company, Build is able to offer 5-25x the cash reward when compared to
other banks and financial apps. Build's innovative rewards-first model
also provides cash incentives when you shift more of your banking and
spending to Build. We also give our users the ability to unlock
special bonuses. Combining these features with live customer support -
Build is truly an awesome secret weapon leading our customers to
greater financial stability.
Are Build accounts a safe place to keep my money?
Yes. Your money is protected by the same FDIC insurance as other
regulated banks in the United States. Each account is insured up to
$250,000.00
Is Build free?
Yes. Build is free to use and there are no monthly service fees.
Is it easy to sign up?
Yes. It takes less than five minutes to register for a new account.
The Build app is available on both iPhones (in the App Store) and
Android devices (in the Google Play Store).
How does Build pay out greater amounts of cash rewards than banks and financial technology companies?
Build is the first financial services platform that owns the
relationships with each of the trusted brands in the Build app. By
working directly with each company, Build is able to offer 5-25x the
cash reward when compared to other banks and financial apps.
How does Build pay the money to its users that is usually paid to companies like Facebook and Google?
Advertising on Google, Facebook and other media channels is expensive.
Companies pay hundreds and thousands of dollars to these companies to
find new customers. When these brands work with Build, they don't have
to work with those ad services. Our unique, direct partnership model
enables these companies to empower Build to give this money to our
customers.
Does Build pay the cash connected to rewards directly to me or do I need to get it from a third party?
Build pays you directly by depositing the money in your Build account.
You are then free to save or spend the money as you please. We offer a
free debit card and similar cash transfer features to any other bank
or financial technology platform.
How long does it take for Build to pay me?
If you transition your direct deposit to your Build account and/or
have a Gold or Future Build account, rewards payouts usually are made
between 1 and 7 days after the service provider has confirmed your
account status. If you have a Premier account, it can take 2 to 6
weeks depending upon the partner. Our goal is to payout rewards as
soon as the partner pays Build.
How much can I expect to earn from Build Rewards?
That depends on two things. Significantly greater earnings are generated by Build customers when they (1) make Build 'top of wallet' (which means moving a greater amount of their banking and spending to their Build account) and (2) using Build to purchase and use the products and services they were planning on using with or without Build. While a casual Build customer may earn $25 to $50 per month, users that focus more of their financial saving behavior and spending with Build can earn thousands of dollars per year.
Is my data safe with Build?
Yes. Build has taken proactive and preventive measures to secure our customers' data including putting layers of software, administrative and physical barriers in place.
Does Build use similar security protocols as other banks?
Yes. Build has taken a very conservative approach and has made deep
investments into its security regime. In addition to software,
administrative and physical barriers, our customers will notice that
our app may ask for 2FA (two-factor authentication) more often than
other banking or financial apps. That is purposeful. Your data is
yours. We want it to stay that way.
Why should I trust Build?
Build is owned by a publicly traded company. It has partnered with a
highly respected bank to provide customers with financial services
protected by the FDIC. It has made deep investments in both
user-facing technology (our app, etc.) and the security infrastructure
and protocols to keep our customer's data safe.
Does Build sell my data to third parties?
No. We work with a variety of third parties to provide brand discovery
and rewards services, but we do not sell or make your data available
to any of them. When you visit a partner's Website or mobile app, If
you choose to submit your data to that partner, that is your choice.
Build takes the safety of your data very seriously.
Has the public company that owns Build performed third party security audits?
Yes. As a public company, it is required to conduct external security
audits, such as third-party penetration testing. This helps to ensure
a continuous level of proactive security monitoring.
What is the rewards bonus?
Build customers can unlock rewards wheel bonuses. Rewards bonuses are
paid in cash - to your Build account.
How does it work?
When you complete an offer, you get to spin the rewards wheel. The
same happens when you deposit a certain amount of money, transition
your direct deposit and spend money on your debit card.
Am I guaranteed to receive a bonus?
If you complete a required task, yes.
Do Gold and Future accounts have better bonuses?
Yes. The potential rewards connected to the bonus increase in value
when you have either a Gold or Future account. All customers can
upgrade their Premier account to Gold, at no cost and with no
additional account requirements, for 14 days. During the 14-day trial,
you have access to the Gold weekly bonus.