Fierce

Fierce Fierce brings high-yield checking with a free debit card, FDIC-insured funds, and zero fees. Use Apple Pay, withdraw at no-fee ATMs, and trade stocks, ETFs, or crypto in one place.

Fierce

Feel the strength of the Fierce high-yield checking account, paired with a free debit card. Withdraw cash, pay for purchases, and take advantage of Apple Pay convenience—all backed by FDIC-insured funds and zero fees. It’s built to help you move toward financial freedom.

Key Features

• Earn Competitive Returns: The Fierce Checking Account offers a 5.25% APY*. For extra confidence, the account is FDIC-insured.



• No Hidden Fees or Restrictions: Skip the usual hassles like account fees, minimum balance requirements, and lockup periods. Fierce is designed to feel transparent—without unnecessary limits.
• Convenient ATM Access: Use 55,000+ no-fee ATMs with the included fee-free Fierce Mastercard Debit Card**.
• An All-in-One Investment Hub: Trade stocks, ETFs, and crypto from one place.
• Earn Yield on Your Stock: Enjoy the upside of generating yield from your stock holdings**.
• No Management Fees: Fierce removes management fees so your investment returns aren’t reduced.
• 360° Financial Snapshot: Bring your accounts together in one dashboard for a complete view of your wealth.
• Personalized News & Insights: Get updates tailored to your interests and your portfolio for a more customized experience.
• Live Support When You Need It: Need help? Fierce offers live assistance by phone, email, or live chat.

Customer Notes

• Great if you mainly bank: “The 5.25% is excellent if you’re only using the banking features.” They also mention that when you trade stocks, you should expect delays before trades show up in transaction history, though the balance updates quickly.
• Trading experience feedback: They point out the app often resets when switching apps (noted on iOS), which can be frustrating if you were reviewing a chart before confirming. They also mention there are no limit orders—trades run at market prices, though they’re capped to no more than 2.5% beyond the estimate provided. They also note that while stock trading fees are $0, crypto fees can be significant.
• Good as a secondary broker: Another reviewer says it’s a strong backup to a traditional broker because you earn interest on uninvested cash and can invest the full balance immediately (instead of waiting for funds to settle beyond instant credit limits). They also like that you can pay bills the next day after selling a stock, without needing to withdraw from a separate brokerage.
• Reliability and trust: One user prefers Fierce over other online banks due to fewer issues with unexpected freezes or holds, emphasizing that you can’t simply walk into a branch to access funds.
• Service praise: Multiple comments highlight strong customer support, including positive mentions of Daniel and Anna.



• Statement and ACH improvements requested: One reviewer reports a typo in the top-right corner of a statement (“electrical on demand deposits” instead of “electronic”) that caused a mortgage underwriter to doubt the document. They also suggest adding standard ACH manual entry for external accounts, noting that Plaid doesn’t work with every institution (they use a credit union that Plaid doesn’t support).



• App polish and performance suggestions: They recommend adding a dark mode with an AMOLED black option and mention minor bugs, UI inconsistencies, and areas not using the 120Hz refresh rate. They also flag stock charts that don’t update quickly enough.



• More investing details: One reviewer suggests expanding the investing section with richer information and improving live trading charts to update in real time, plus adding more stock-specific details.

Final Verdict

With Fierce, you can trade stocks smoothly and earn passive income through FPSL (Fractional Payment for Stock Lending). Don’t let earnings from your current brokerage slip away—start investing in fractional shares of major stocks with no commissions. Grow your wealth with Fierce today.