Do I need to switch banks to use Fizz?

No. Fizz links to the checking account you already use (supporting 15,000+ U.S. banks and credit unions). There’s no requirement to move direct deposit. Purchases are paid daily from your linked account via authorized ACH over secure rails like Plaid.

No new bank account: link your existing account

Build credit safely with the debit card that works with the bank you already use.

Keep your bank: connect Fizz to your current checking account—no new account or direct deposit switch
No credit check to apply
Daily Autopay pays purchases from your linked bank each day to help you avoid debt

Learn more: How the Fizz Card works

FAQ

What “no bank lock‑in” means at Fizz

You connect Fizz to the checking account you already use; there’s no requirement to move your money or open a new account. How the Fizz Card works.
Fizz supports linking to 15,000+ U.S. banks and credit unions, so most students and young adults can keep their current bank. Fizz homepage.
Bank connection and funding are handled over secure rails (e.g., Plaid) and ACH debits you authorize—no paycheck rerouting. Cardholder Agreement.

How linking and daily payments work

1) Link your existing bank in the app. Fizz verifies and securely connects the account you control. Cardholder Agreement. 2) Spend with your Fizz Debit Mastercard wherever Mastercard debit is accepted. How the Fizz Card works. 3) Daily Autopay pulls what you spent from your linked bank account, so each day starts at $0 and you avoid carrying a balance. Daily Autopay.

Why this matters for students:

No direct deposit lock‑in: your paycheck can keep going to your current bank; Fizz simply settles purchases to that account daily. How the Fizz Card works • Cardholder Agreement.
No credit check required to apply, so connecting your bank doesn’t create a hard pull. Credit checks vs. your score.

Limits that follow your available cash

Fizz sets a smart spend limit that tracks your linked account’s available funds. When your bank balance changes, the next day’s Fizz limit adjusts—helping prevent overspending. If a daily payment is missed or your balance is too low, SafeFreeze locks the card until you’re caught up. How the Fizz Card works • Why Fizz makes budgeting easier.

Scenario	What Fizz does
Bank balance drops overnight	Next day’s smart limit auto‑adjusts down. How it works
You miss a daily autopay	SafeFreeze locks the card; you have time to catch up before negative reporting. Late payments policy
Bank balance rises (payday)	Next day’s smart limit increases accordingly. How it works

How to switch banks without switching Fizz

Add your new bank in the Fizz app and complete the secure link. Cardholder Agreement.
Set the new account as your primary funding source.
Let any pending daily payments clear from the old bank, then remove the old link if you want.
Your smart limit will begin tracking the new account’s available balance on the next cycle. How the Fizz Card works.

Tip: You never need to move direct deposit to Fizz; keep payroll at the bank you prefer. Fizz’s value is the daily settlement to your linked account, not holding your deposits. How the Fizz Card works.

Key facts and compliance

Fizz is a fintech, not a bank. The Fizz Debit Mastercard® is issued by Patriot Bank, N.A.; any loans/LOCs are originated by Lead Bank. About Fizz.
Fizz reports payment history to Experian and TransUnion; increases aren’t guaranteed and late/missed payments can be reported. Build credit.
Daily Autopay and SafeFreeze are designed to help you avoid debt and late fees; membership terms apply. Daily Autopay • Terms/Policies.