What is Always.bank and what services do you offer?

We currently offer various small business loans.

General

Q: What are the benefits of using a digital bank vs. a traditional bank?

Digital banks typically have lower or no fees and higher interest rate on savings accounts due to their lower overhead cost.

Q: Can I opt-out of eStatements?

No. As an online bank all of our communications are electronic, which allows us to pass along the savings to our customer in the form of highly competitive APYs.

Q: Is my account FDIC-insured, and up to what amount?

Yes, your deposits are insured up to $250,000 per depositor, per FDIC institution.

Getting Started

Answers about account setup, security, navigation, and everyday banking.

Back to FAQs categories

What is Always.bank?

Two women sitting on an outdoor bench, smiling and drinking beverages at sunset.

Always.bank is the digital banking division of 22nd State Banking Company, offering banking and financing solutions for individuals, small businesses, entrepreneurs, and business owners nationwide.

Always.bank combines digital banking, business lending, and access to business resources designed to help customers manage their money, finance growth, and build stronger businesses.

What services does Always.bank currently offer?

Always.bank offers digital banking and financing solutions for individuals and small businesses, including Business Checking, Business Savings, High-Yield Savings Accounts, CDs, SBA loans, USDA loans, traditional business loans, invoice factoring and asset-based lending.
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What additional services does Always.bank plan to offer?

Always.bank continues to expand its banking services for individuals and small businesses. Additional services planned include cash management solutions and merchant payment processing. Product availability may change as new services are introduced.
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What is Always.bank's routing number?

Green checkmark with a tail forming an arrow pointing down to the right.

065106839

What are the benefits of using a digital bank vs. a traditional bank?

Digital banking lets you manage your finances anytime, anywhere, with convenient online tools and access to your accounts.

For business owners, it simplifies banking, financing, payments, and cash flow management through a single platform.

Always.bank goes a step further, combining digital convenience with personalized support, business banking solutions, lending options, and expert guidance designed specifically for entrepreneurs and small businesses.

Does Always.bank integrate with Plaid or other financial management tools?

Yes, Always.bank does integrate with Plaid.

Will I receive a monthly statement?

Yes, a monthly eStatement will be posted to your account and be available to view or download from within Online Banking. We will send you an email advising you that a new statement is available.

How do I find and download my statement in Online Banking?

You can view or download your monthly statements anytime through Always.bank Online Banking.

- Log in to Online Banking.
- Select Accounts from the left-hand navigation.
- Choose the account you want to view.
- Select View Statements.
- Choose the monthly statement you need to view or download.

Your statements are available electronically within Online Banking.

Can I opt-out of eStatements?

No. At Always.bank, all of our communications are electronic, which allows us to pass along the savings to our customer in the form of highly competitive APYs.

Is my account FDIC-insured, and up to what amount?

Yes, your deposits held at Always.bank and 22nd State Bank are combined for FDIC insurance coverage and insured to a total of $250,000 per depositor, per ownership category.