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Better than Banking.
Direct Deposit &
Use the Beem Card

Set up direct deposit with Beem to insure your funds up to $250k. spend using the Beem Card to build credit & unlock exclusive rewards

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Trusted by
5 Million+
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Unlock the Power of Direct Deposit

Bank-level security
for your account
Your Beem direct deposit account is FDIC insured, giving you the same protection as traditional banks.
Disclaimer: Upwardli is the program manager of the Beem Card, not an FDIC-insured bank. Lines of credit and deposit product provided by Cross River Bank, Member FDIC. Deposit product is FDIC- insured up to $250,000 through Cross River Bank. Line of credit is not a deposit product. The Beem Card may be used everywhere Mastercard is accepted.
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Coming Soon

A smarter way to get paid early
Soon you will be able to set up direct deposit and start receiving your paycheck up to two days earlier with Beem.
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Unlock Instant Cash up to $1000
Enjoy instant cash with Everdraft™, fee-free transfers, and rewards on everyday spending—all for FREE!
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How it Works

Here’s how Direct Deposit of your funds with the Beem Smart Wallet works in three simple steps.
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Sign up in minutes

Sign up in minutes using your phone number. No credit checks, no complicated forms. Just quick & simple access to your Beem account.

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Connect to your Payroll

Link your employer or benefits provider directly to Beem. Choose how much you want to deposit in either full or partial payments.

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Get paid directly & unlock perksh

Once set up, enjoy easy and secure access to your funds, along with additional benefits.

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Why choose Direct Deposit

Instant fee waiver

    • Get up to $1000 instantly with Everdraft™ and enjoy fee-free instant transfers. No subscription or transfer fees, just fast, straightforward access to your money.
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Spend smart,earn more

    • Get rewarded with cashback on everyday purchases and unlock exclusive perks. Turn your spending into smarter savings.
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User 1

The Only Account Builtfor Your Future

With Beem, you're not just banking, you're building credit, gaining financial control, and unlocking the future you deserve.

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User 2

Do more with Beem

Fast personal loans, health program, & so much more!

Build credit with every transaction

Even ATM withdrawals, with your free Beem Companion Card!

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Get up to $1000 instant cash

Access future deposits for emergencies. No interest & no credit checks!

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Save up to 40% on interest rates

Get personal loans up to $100k! Compare & find the best offers.

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Build credit with every transaction

Even ATM withdrawals, with your free Beem Companion Card!

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Get up to $1000 instant cash

Access future deposits for emergencies. No interest & no credit checks!

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Save up to 40% on interest rates

Get personal loans up to $100k! Compare & find the best offers.

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Build credit with every transaction

Even ATM withdrawals, with your free Beem Companion Card!

Promo
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Get up to $1000 instant cash

Access future deposits for emergencies. No interest & no credit checks!

Promo
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Save up to 40% on interest rates

Get personal loans up to $100k! Compare & find the best offers.

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Frequently asked questions by Beeeeemers!

Nope, you do not need to pay to send money online to any other individual living in the US! You do not need a subscription either. And to add to it, the recipient need not even have a bank account to receive money from you.