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Your Money, Your Way

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  • NO Credit Check

  • NO Hidden Fees

  • NO Minimums

  • NO Foreign Transaction Fees

  • Cash and Savings Balances

  • Virtual, Contactless, and Single-use Mastercard®

  • Apple Pay & Google Pay Compatible

  • FDIC-insured Up to $250,000

IDT Payment Services, Inc. DBA Elroy is not a bank. Elroy Checking Account and Debit card are provided by Evolve Bank and Trust, Member FDIC. The Elroy Mastercard® Debit Card is issued by Evolve Bank and Trust, Member FDIC, pursuant to a license from Mastercard®. 

Certain services are offered through Synapse Financial Technologies, Inc. and its affiliates (collectively, “Synapse”). Synapse is not a bank and is not affiliated with Elroy. Brokerage accounts and cash management programs are provided through Synapse Brokerage LLC (“Synapse Brokerage”), an SEC-registered broker-dealer and member of FINRA and SIPC.

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What our customers say about us...

Maria G.

“Elroy helped me get paid early. No more waiting until the end of the week!"

Sebastian H.

"Now I can send money, for free, to my family"

elroy.app Features

No SSN or ITIN?
No problem!

Traditional banking barriers? Not here. Elroy opens doors for those without a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). If you're new to the U.S. or don't meet the usual ID requirements, we welcome you to stress-free banking.

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Quick and Easy Account Setup

Sign up for an Elroy account in about 2 minutes and start banking right away. No lengthy forms or waiting periods, just fast and simple account activation.

Get FREE Physical and Virtual Mastercard®

  • Mastercard® Debit Card

  • Secure online spending

  • Contactless Payment Card

  • Apple Pay & Google Pay support

  • Single-use Cards

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Set Up Direct Deposit Instantly

We connect to over 1.75 million employers to make it easy for you to set up direct deposit in seconds. We provide you with the insights you need to make a better financial decision.

Get Cashback With BOSS

Get $2 cashback in your Elroy account when you send money using the Elroy Mastercard® in either the BOSS Money or BOSS Revolution apps***

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Free Money Transfers to Friends and Family

Easily and instantly send money to your loved ones with our free transfer feature. No fees, no delay, just fast and convenient money transfers with Elroy.

Cash Loading at Over 90,000 Locations

Load cash to your Elroy account at over 90,000 locations nationwide, including popular retailers like 7-Eleven, CVS, Walgreens, Walmart, and more!  Conveniently add funds to your account at a location near you.

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Pay Your Bills Easily

Send domestic and international wire transfers, pay bills electronically, and mail checks conveniently, wherever you are.

Wire Transfer

Easily transfer funds to any bank globally with our wire transfer feature. Whether it's a Fedwire or SWIFT payment, you can trust us to deliver your funds securely and quickly. Simply add your recipient's information, confirm the details, and we'll take care of the rest.

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* Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
** Out-of-network ATM withdrawal fees may apply except at Allpoint ATMs.

*** Complete a money transfer using your Elroy Mastercard® in either the BOSS Money or BOSS Revolution apps, and you will receive a $2 credit back on your Elroy account balance. Money transfer services are provided by IDT Payment Services, Inc., a licensed money transmitter (NMLS 935577, MA FT935577), or IDT Payment Services of New York LLC, licensed as a Money Transmitter by the New York State Department of Financial Services. See terms for details.

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