Kronos is available to Minnesota residents 18+. Spend with the cashback debit card, deposit checks, send money via Kronos Tag, and link bank accounts via Plaid — all in one app.
Kronos provides US banking services in Minnesota via partner banks under our money-transmitter partner Bridge.xyz. USD balances are held with FDIC-insured partner banks; deposits, withdrawals and ACH transfers operate on the same schedule as any other US neobank. Minnesota residents can open an account in about three minutes after passing identity verification through Plaid IDV. The cashback debit card ships nationwide and adds to Apple Pay on first use. There are no monthly fees, no minimum-balance requirements, and no withdrawal limits.
Yes. Kronos banking is available to Minnesota residents 18+ who pass identity verification.
Yes. Kronos enforces an 18+ age gate at signup (validateDOB). This is required for any US fintech offering deposit accounts.
Free tier: $250. Kronos Pro ($9.99/month): $1,000. Cap is the same in every US state where banking is available.
Yes. 2.5% APY for Kronos Pro members nationwide; standard rate for free tier.
Join the waitlist at https://getkronos.io/waitlist. Onboarding takes about three minutes including Plaid identity verification.
USD balances are FDIC-insured via partner banks through Bridge.xyz, up to standard federal limits per partner bank. Crypto is not FDIC-insured at any provider.