Security
Your deposits are spread across banks so far more of your money is insured. FDIC-member partner banks hold it, behind sign-in and payment controls you set.
Standard coverage stops at $250,000 per bank. The Larch sweep network spreads deposits across up to 20 partner banks.
Spread across 14 partner banks
Larch is a financial technology company, not a bank. These are the regulated firms behind your account.
Holds your checking and savings accounts and issues Larch cards. Member FDIC.
Runs the sweep network that spreads deposits across partner banks. Member FDIC.
Manages Larch Treasury. An SEC-registered investment adviser; investments are not FDIC-insured.
Sign in with a passkey or a hardware key. Passwords alone are never enough to reach your money.
A sign-in from a new device waits until an admin approves it, with the place and the browser shown.
Every payment is screened before it leaves. Our team watches around the clock and calls you when something looks wrong.
Give each person only what they need, and require two approvals for payments over an amount you choose.
Audited each year by an independent firm. The report is available under NDA.
Card data is handled to the highest level of the card industry's standard.
AES-256 for data at rest and TLS 1.3 in transit, with keys in hardware security modules.
Outside firms test the apps and the infrastructure twice a year.
Write to security@larch.example. We answer within one business day and do not pursue good-faith research.
Coverage, treasury and partner-bank disclosures, in full.