The bank that won't close your account.
Built exclusively for adult content creators. No closed accounts, no frozen funds, no surprises.
The Problem
You built something real. And then the email arrived.
You’d been with your bank for years. You paid your taxes. You made more money than most people your age.
No call. No warning. No appeal. Just the email.
““Your account type is no longer supported.”
Funds frozen. Bill autopays failing. Scrambling to tell your subscribers why payments stopped. Moving money through friends. Hoping the next bank doesn’t find out what you do.
This is called debanking. And it’s not an accident. It’s policy.
You deserve better than that.
Important notice about your account
We’re writing to inform you that your account has been…
Dear Account Holder,
We’re writing to inform you that your account has been closed, effective immediately, as a result of our periodic review of account types.
After careful evaluation, we have determined that your account activity is no longer consistent with the products and services we offer. As a result, your account has been flagged for closure under Section 14(b) of our Customer Agreement.
You will not be able to access online banking, make transfers, or use your debit card as of the date of this notice.
We apologize for any inconvenience. No further action is required on your part.
Regards,
Customer Account Services
First National Bank
Join the Waitlist
Join the Free Bank waitlist.
Free Bank isn't open yet. The first 1,000 to sign up get fee-free banking for life.
We're not just building a bank. We're starting a fight.
Banks have been quietly closing accounts of legal businesses for years. No warning. No appeal. No accountability.
In 2025, federal regulators confirmed nine of America's largest banks had explicit policies targeting lawful businesses — adult entertainment on every list.
Free Bank is building the financial infrastructure you deserve — and lobbying for legislation that makes debanking illegal, funding legal challenges against the banks that do it, and publishing the data publicly.
Your work is legal. Your income is real. The bank that tells you otherwise is wrong. We intend to prove it.
63%
of adult creators have lost a bank account or financial tool due to their work.
— Free Speech Coalition, 2023
The Solution
Not a policy. A contract.
Other fintechs will accept your signup today and quietly close your account next year. They don’t tell you this. They don’t have to.
Free Bank is different. Structurally, not rhetorically.
We partner with sponsor banks who understand and accept what you do. We build account protection into the actual agreement between you and us. We’re on a defined path to a fully licensed, independent bank so your protection doesn’t depend on a third-party policy that can change without notice.
We’re not asking you to trust us. We’re building something you can point to in court.
Your account won't be closed for your industry
An account built for your business model, not one that tolerates it.
Banking partners who know exactly what you do
We work exclusively with sponsor banks that have explicitly agreed to serve adult creators.
Your deposits are spread across multiple FDIC-insured institutions
Your money isn't concentrated in a single institution that can change its mind.
Contractual account protection, not a terms of service clause
Your protection is written into the agreement. It can be pointed to in court.
Contractual GuaranteeWe're pursuing our own banking charter
So your security doesn't depend on a third-party policy that can change without notice.
What You Get
Built for your business.
Not adapted. Not tolerated. Built.
Business Checking
A real account. Won't disappear because of what you do.
Debit Card
Works everywhere. No adult-industry flags. No declined transactions.
Auto Tax Withholding
Automatically sets aside a percentage of every deposit. No scrambling at tax time.
Auto Savings
A percentage of every payout moves to savings before you can spend it.
Bookkeeping
Every payout tracked and organized for tax season. Hand your accountant a clean report.
Account Protection
In your contract. Not buried in the terms of service. Enforceable in court.
Advocacy
We use lawyers, data, and lobbying to fight the banks that do this. Publicly.
The Numbers
This isn't a fringe problem.
Here are the numbers.
of adult industry earners have lost a bank account or financial tool due to their work.
— Free Speech Coalition, "Financial Discrimination and the Adult Industry," 2023
paid to OnlyFans creators in 2024 alone. All of it in accounts that could be closed tomorrow.
had an account closed in the past year. Not their whole career. The past year.
— Free Speech Coalition, "Financial Discrimination and the Adult Industry," 2023
Nine of America's largest banks maintained policies specifically targeting adult industry customers. Federal regulators confirmed it in 2025.
of adult content creators experienced direct financial harm from payment processor policy changes — lost income, lost accounts, or both.
The system isn't broken. It's working exactly as the banks intended. Free Bank is the fix.
Community & Waitlist
You're early. That matters.
Be one of the first 1,000.
The first 1,000 people to join get fee-free banking for life. They'll be named as Free Bank Founding Creators.
- Fee-free banking for life
- First access when Free Bank launches
- Named on the Free Bank Founding Creators page
- Private community access
Private Community
A private space for early members. Banking, taxes, business strategy. Access unlocks when you join the waitlist.
Access unlocks automatically when you join the waitlist below.
Member Tiers
Founding Creator
Join the waitlist
Pioneer
10+ referrals
Champion
25+ referrals
Legend
50+ referrals
Founder Story
I built this because you deserved better.
My dad was a community banker. Not Wall Street. He spent his career getting capital to the people who needed it on the small Caribbean island he came from. Banking as a tool for lifting people up.
Then I looked at adult content creators. Billions in real, legal, taxable income. And a banking system that had quietly decided to shut them out. No warning. No appeal. No explanation.
I'm not a creator. I don't have a debanking story. What I have is a clear read of a broken situation that nobody with the resources to fix it was bothering to fix.
So I decided to try.
The vision is bigger than a checking account. Banking, taxes, bookkeeping, and a community built by people who understand what you do and respect it.
FAQ
Questions, answered.
We're in pre-launch, building infrastructure and securing banking partners. Waitlist members get first access when we open.
Yes. We partner with FDIC-insured sponsor banks. Your deposits are protected up to $250,000.
Account protection built into the actual contract between you and Free Bank. Not a policy. Not buried in the terms of service. A contract you can point to. Details will be in the account agreement at launch.
Free Bank launches as a fintech platform using FDIC-insured sponsor banks, the same model Mercury and Brex use. Our long-term plan is a full banking charter. That roadmap is public and we'll report progress on it.
Adult content creators first. We'll expand to cannabis, firearms, and other industries facing the same discrimination over time.
The first 1,000 people to sign up get fee-free banking for life, early product access, and their name on the Free Bank Founding Creators page.
Mercury and Relay don't explicitly protect your industry. Many creators have been quietly removed from both. Free Bank is built from the ground up for this. The protection is in your contract.
Sign up. If you're in the first 1,000, you're in.
Still have questions?
hello@joinfree.bankJoin the Waitlist
Join the Free Bank waitlist.
Free Bank isn't open yet. The first 1,000 to sign up get fee-free banking for life.