Sign up for a Sequin card in five steps.
- Go to the provider’s site and follow the steps to apply.
- Choose Sign up today!
- Enter your personal details, including your legal first and last name, phone number and email. Hit Let’s Get Started.
- Input your bank account credentials to link your account.
- Follow the prompts to complete your account application.
Eligibility
You must meet the following requirements to apply for a Sequin card:
- At least 18 years old
- US citizen or permanent resident
- US bank account
Required information
The Sequin application will ask for the following information:
- Full legal name
- Phone number
- Email address
- Social Security number
- Bank account credentials
The Sequin card operates like a debit card because it’s connected to your bank account. But you don’t fund or withdraw from it. Instead, Sequin fronts you the money like a credit card and withdraws the exact amount you’ve borrowed from your bank account on the same day.
At the end of the month, Sequin reports the transactions — but not your credit utilization — to credit bureau Experian to demonstrate that you’re a responsible borrower. It hopes to start reporting to Equifax and Transunion in the future.
Check out the perks of opening a Sequin card:
- No monthly fee. Unlike other debit cards that may help you build credit, the Sequin card doesn’t come with a monthly fee.
- Builds credit. While traditional debit cards don’t help your credit, Sequin helps you build credit with each purchase.
- No interest or late fees. Since Sequin debits your bank account directly, you’ll never incur interest or late fees like you would with a credit card.
- Set daily limits. Specify a maximum withdrawal amount so no one can ever access your entire balance.
- No credit check required. Sequin doesn’t initiate a credit inquiry when you open an account.
- Doesn’t report credit utilization. Sequin doesn’t report credit utilization to credit bureaus to help prevent your spending from negatively impacting your credit score.
- Anyone can join. Although Sequin is marketed toward women, anyone can sign up for an account.
While Sequin can help you build credit, it comes with the following drawbacks:
- Sequin deposit required. Since Sequin doesn’t pull your credit, you’ll need to transfer a fully refundable Sequin deposit, which is equivalent to your Sequin credit limit, as collateral. You’ll get the full deposit back, less any unpaid balances, when you close your Sequin card.
- No ATM access. Unlike most debit cards that let you withdraw cash, you can’t use your Sequin card at an ATM.
- Not available in all 50 states. Sequin currently only operates in 36 states.
- Limited support options. Unlike other digital banks that offer live chat and a support number, you can only reach out to customer service by emailing support@sequincard.com.
In which states is Sequin available?
- Arkansas
- Colorado
- Connecticut
- Delaware
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Louisiana
- Maine
- Maryland
- Michigan
- Minnesota
- Missouri
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Oklahoma
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Virginia
- Vermont
- West Virginia
- Wyoming
If Sequin isn’t available in your state yet, email team@sequincard.com to express your interest.
We’ve gathered similar debit cards and checking accounts to see how the Sequin card compares. Use the table to view different monthly fees, minimum opening deposits and ATMs to find a digital bank account that’s right for you.
Sequin
★★★★★
Finder rating 3.7 / 5
Fee
$0
Annual Percentage Yield (APY)
3.56%
Minimum deposit to open
$0
BMO Smart Advantage Checking
★★★★★
Finder rating 4.7 / 5
Go to site
Fee
$0
Annual Percentage Yield (APY)
N/A
Minimum deposit to open
$25
Cash Card by Cash App
★★★★★
Finder rating 4.4 / 5
Go to site
Fee
$0
Annual Percentage Yield (APY)
N/A
Minimum deposit to open
$0
When we called the phone number listed on Sequin‘s website, we couldn’t get through to customer service. Instead, we reached out to Sequin through email, and a customer service representative told us that emailing support@sequincard.com is the best way to get support.
Checking account ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.
Read the full methodology of how we rate checking accounts.
