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Treecard review

This bank plants a tree for every $60 spent. Plus, 80% of its profits go to reforestation.’s rating: 3.6 / 5.0


Treecard is an environmentally friendly bank account that comes with a debit card made out of sustainably sourced FSC cherry wood. The company plants one tree for every $60 spent. Plus, it donates 80% of its profits to reforesting the planet. But it doesn’t launch in the US until December 2020, and there are still some things we don’t know.

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Review by

Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.

Expert review

Treecard is best for individuals who want an environmentally friendly bank account.

The company partners with Ecosia, a nonprofit search engine that plants trees. For every $60 you spend with your wooden Treecard debit card, one tree will get planted. The company also earmarks 80% of its profits to fund reforestation projects managed by Ecosia.

But the perks don’t stop there. This account is 100% free to use and you can track your spending and environmental impact directly in the mobile app.

The biggest downside is that the account doesn’t launch until December 2020. You can add yourself to the waitlist and get notified when Treecard launches.

But there are still some things we don’t know about the company. For instance, it’s unclear if it supports cash deposits, has an ATM network or allows you to remote deposit checks in the mobile app.

How do I open a Treecard account?

Follow these steps to reserve your Treecard:

  1. Visit the Treecard website.
  2. Enter your email address and click Reserve Card Now.
  3. Click Continue.
  4. Confirm your email address and click Next.
  5. Enter your full name and date of birth and click Next.
  6. Enter your phone number and click Next.
  7. Enter the verification code and click Submit.
  8. Enter your home address and click Next.
  9. Answer a few questions about your potential card activity and click Next.

You’ll then be able to view your position on the waitlist (we were #42,087). You can move up on the waitlist by sharing your referral code with family and friends.


Open a Treecard account when you meet these requirements:

  • At least 18 years old

Required information

Treecard will ask for this information when you sign up:
  • Full name
  • Date of birth
  • Residential address

What are the benefits of a Treecard account?

Treecard is FDIC insured and comes with a mobile app where you can freeze your debit card, set up spending notifications, split bills with friends and more. It offers these unique perks:
  • Wooden debit card. Each account comes with a Treecard debit card that’s made out of sustainably sourced FSC cherry wood. The plastic inside of the card is made from recycled bottles.
  • Every purchase reforests the planet. The company plants one tree for every $60 you spend with your Treecard. Plus, the company donates 80% of its profits to reforestation.
  • Zero fees. The company makes money from merchant interchange fees instead of consumer fees, which means it’s completely free for you to use.
  • Consumption tracking. Monitor your spending and track how many trees you’ve helped plant straight from the Treecard mobile app.

What should I look out for?

Treecard is a breath of fresh air in the banking space, but there are still a few potential things to watch out for:
  • Not available yet. Treecard plans to start shipping cards in December 2020.
  • Still some information we don’t know. As of October 2020, we’re unsure if this account will accept cash deposits, support remote check deposits, have an ATM network and more.
  • Might require additional signup steps. Once you receive your card, you might be asked to provide your Social Security number and ID for verification purposes.

If you’re looking for an eco-friendly account you can open today, check out these socially responsible banks.

Treecard‘s ATM network and fees

Treecard comes with a Mastercard debit card you can use to withdraw cash from a bank account, but the company has yet to specify which ATM network it will use. We’ve emailed customer service and will update this section as soon as we receive more information.

Compare Treecard with other checking accounts

Use this table to see how Treecard compares to other socially responsible bank accounts:

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
Aspiration Spend & Save Account
Finder Rating: 4.2 / 5: ★★★★★
Aspiration Spend & Save Account
5.00% on balances of $0 to $10,000
55,000 free in-network ATMs
Deposits are fossil fuel-free and insured by the FDIC. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days.
HSBC Premier Checking
Finder Rating: 2.7 / 5: ★★★★★
HSBC Premier Checking
0.01% on balances of $5+
Free to use at all ATMs in the US
Get a $450 welcome bonus when you open your account with qualifying activities. Must open HSBC Premier checking account through offer page by January 5, 2022, and set up qualifying direct deposits into the new account totaling at least $5,000 per month. Conditions apply. Deposit products are offered in the US by HSBC Bank USA, N.A. Member FDIC.
TD Convenience Checking℠
Finder Rating: 2.7 / 5: ★★★★★
TD Convenience Checking℠
1,900 ATMs across the country and Canada
Offering digital wallet compatibility, free Zelle transfers, TD rate discounts and no fees for students and young adults age 17 to 23. But the $15 monthly maintenance fee could chip at your funds.
TD Beyond Checking
Finder Rating: 2.3 / 5: ★★★★★
TD Beyond Checking
0.03% on balances of $50,000+
0.02% on balances of $10,000 to $49,999.99
0.01% on balances of $0.01 to $9,999.99
1,900 ATMs across the country and Canada
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.

Compare up to 4 providers

How do I deposit or withdraw my money?

It’s unclear at the moment if this account will support cash deposits, wire transfers and remote check deposits. But you can definitely access funds using these methods:


  • Direct deposit
  • ACH transfer from another account


  • ACH transfer to another account

Frequently asked questions

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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.

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