Open in minutes. Built for rent payments and everyday spending, with deposits held at Midland States Bank, Member FDIC.§
Find a homeThree steps.
Sign up for a Stake account. One account, one login.
Move money in from a connected bank using Plaid, a third-party service, typically in 1 to 5 business days. Use Instant Add Cash from a connected debit card, typically ready in minutes. Or set a Recurring Deposit on a weekly, twice-a-month, or monthly schedule.
Use your Stake Mastercard® Debit Card for everyday purchases, and pay rent through your resident portal with your Stake account and routing numbers. On Unlimited, that’s what turns rent into Cash Back.
Pay your full rent on time from your Stake account and claim $10 Cash Back each month you qualify, starting with your second rent payment. No spend requirement. No deposit requirement. Available with Unlimited.3
Earn 2x Cash Back at participating brands in Neighborhood Cash. Groceries, gas, food, the spending that doesn’t change month to month. Connect an eligible card and shop like you already do. Your Stake Debit counts, along with American Express®, Mastercard®, or Visa® credit or debit cards.4
Physical or virtual, contactless, and ready for Apple Pay and Google Pay. Use it in person, online, or at an ATM. Secondary cardholders permitted. Your physical card ships once there’s a balance in your account.5
Enroll and your on-time rent payments get reported to all three major credit bureaus. Credit Builder is powered by Array, a third-party provider. Stake never reports a late payment. Available with Unlimited.2
Connect your payroll through Pinwheel, a third-party service, and get paid up to two days early. Send all of your paycheck or just part of it. Available through supported employers and payroll providers, with Unlimited.1
Request a call and a moving concierge from our third-party partner reaches out with deals on Wi-Fi, TV, security, and utilities. Useful in the week you have the least time.
Renters insurance is offered by a licensed third-party insurance provider, not by Stake or Midland States Bank. Purchase coverage from your Stake account on the web.
Withdraw to a connected bank, or cash out to Venmo. Your money is yours.
Deposits are held at Midland States Bank, Member FDIC, and may be eligible for pass-through FDIC insurance if certain conditions are satisfied.§
Designed for electronic rent payments and the way renters actually spend.
SOC 2-compliant safeguards protect your money and your data.
No. Stake is a financial technology company, not an FDIC-insured bank. Banking services are provided by Midland States Bank, Member FDIC.
Yes. Deposits are held at Midland States Bank, Member FDIC, and may be eligible for pass-through FDIC insurance up to $250,000 per depositor when certain conditions are met.§
See the Account Agreement and Stake End User Terms for the full fee schedule for your account and card.
Pay your full rent on time from your Stake account by ACH. On Unlimited, your first rent payment unlocks your Move-In Cash, and each qualifying payment after that earns $10 Cash Back, ready to claim in Stake. Head to Cash Back on Rent for the full picture.
In most cases, yes. If your resident portal accepts bank payments, add your Stake account and routing numbers as your payment method.
Your physical card ships once there’s a balance in your account. Activate it before your first purchase.
Never. Stake reports on-time rent payments only.
If your employer or payroll provider is supported, connect your payroll and receive your pay up to two days early.
Three ways. Connect a bank through Plaid, transfer arrives typically 1 to 5 business days. Use Instant Add Cash from a debit card, typically ready in minutes. Or schedule a Recurring Deposit.
Withdraw to a connected bank, cash out to Venmo, or spend with your Stake Mastercard® Debit Card anywhere Mastercard® is accepted, including ATMs.
No points, no credit card required.
Find a home
