Banking that protects what matters most.

Secure multi-factor authentication, real-time fraud protection, and institutional-grade encryption keep your money safe.

Bank-grade security 256-bit encryption · FDIC insured

Multi-channel verification SMS · Voice call · Email verification

Smart lockout protection Rate-limited attempts & escalating delays

256-bit Encryption

24/7 Protection

FDIC Insured

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Open an account

Create your SilverOak Capital Bank account

Full legal name

Email address

Mobile phone

We'll verify this number with a code

Social Security Number (last 4)

••• - •• -

Required for identity verification · Encrypted at rest

Create password

At least 10 characters with upper, lower, number & symbol

Confirm password

⌁ Your connection is protected with bank-grade encryption.