Let's make
bank together

Traditional banks don’t help you get ahead. Swell brings together everything you need to manage spending, tackle debt, and grow your money. Our app is now available and ⎯ is invite only. Join our waitlist today, and we’ll send you an email with your exclusive invitation code as soon as we can.

Cash and credit that work together

It starts with Swell CashSM and Swell CreditSM, the first integrated deposit account and line of credit built to help you spend less than you make (and pay down your debt).

Learn More
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Swell Cash

A bank deposit account with no monthly fees and no overdraft charges1.
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Swell Credit

Designed to help you tackle unexpected expenses and cover large purchases — access funds easily with one click.

WHAT’s Next

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Swell Compound2

WHAT’s Next

Our take on investing

Get access to exclusive private market deals. Accumulate assets right alongside the wealthiest, smartest investors.

Tried and true, and shiny and new

Swell offers the best of both worlds—we combine a digital finance app with access to secure banking services.

Swell helps you replace your old bank account, credit cards, and other personal loans. Deposits in your Swell Cash account with Central Pacific Bank are FDIC-insured,* and we use the best technology to keep your data (and money) safe and private.

Your money is secure
Swell Compounding Podcast Cover 1 1
Compounding is a word for small, steady gains that become exponential over time. Compounding applies to all aspects of life—not just money. 
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Watch Now:
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Together we are rich

The power of Swell is our community of “strivers”—thousands of people who want to work together to grow their wealth and change the system. Swell launches in 2022, but you can join the #SwellMoney community today and get early access and updates. The more people in our community, the more powerful we are together.

Swell Community Member Swell Community Young Member (little girl)

Swell is officially here!

Join our waitlist, and we’ll send you an exclusive invitation code as soon as we can.3  Break away from your old bank and start making money moves with thousands of strivers like you who want to get ahead. Join the waitlist today!
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Let’s Make Bank Together

“Let’s face it—our financial system is rigged in favor of the wealthy.

I founded Swell to make the best money moves available to everybody. It’s my personal mission.”

Kevin Dahlstrom, Founder
@camp4

Note: Automated overdraft functionality likely will not be available until January 2023.  Credit approval and availability on your Swell Credit line required. The following transactions from your Swell Cash account (up to an aggregate limit of $100 at any one time) are eligible for overdraft protection, and you agree that you are responsible for Overdraft Advances made to cover the following transactions: (i) debit card transactions (including PIN and signature transactions), (ii) pre-authorized ACH transactions (including transactions scheduled using Swell BillPay), and (iii) cash withdrawals at ATMs.  Swell Credit Overdraft protection does not apply to other transactions.  For more details about Swell Credit Overdraft, see Sections 14, 15 and 16 of the Swell Credit Account Terms and Conditions and Section IV.L of the Swell Cash Deposit Account Agreement and Disclosures.

 Swell Compound is coming sometime in 2023. Investments made available via Swell Compound are not FDIC-insured and are not sponsored by or offered by Central Pacific Bank or any other insured depository institution.

Swell Cash and Swell Credit are not available in all states. See www.swellmoney.com/qualifications for more details.