What information do I need to get an account?

For Swell Cash you’ll need:

  • Invitation code (you should have received this from a letter or email we sent you)
  • Social security number
  • Driver’s license or state-issued photo ID
  • A mobile device with a camera (so that we can confirm that you match your ID)

 For Swell Credit, you’ll need all of the above, plus:

  • The net pay amount from your last paycheck (aka “Take home pay”). This helps the bank behind Swell set your credit limit.
  • Monthly housing costs (rent or mortgage payment)
  • Bank log-in credentials (this is needed to finish the automated underwriting process)

During the application process, you have the option to set up a direct deposit to enjoy benefits like getting your paycheck up to 2 days early — having a recent paystub available can make that process simple. 

But if you prefer to set up a direct deposit after you open your account, you can do that in the app by tapping “Add Money” and “Manage your direct deposit.”