Banking built on proof, not promises.
State Union Bank runs on a double-entry ledger where every deposit, transfer and withdrawal carries a unique reference, a provider record and an immutable audit trail. Your money moves only after identity verification and your transaction PIN.
USD accounts
United States residents, 18+
Double-entry ledger
Balances derived, never edited
Verified identity
KYC before any money moves
Audit trail
Permanent record on every entry
100%
Ledger-derived balances — never editable numbers
3-step
Verification on external transfers (KYC · MIF · code)
2FA + PIN
Two-factor sign-in plus a transaction PIN
Immutable
Audit trail on every entry, viewable on demand
Built as financial infrastructure, not a dashboard mockup.
Balances from the ledger
Every movement writes matching debit and credit entries. Your balance is a calculation, never an editable number.
Provider-confirmed funding
Deposits credit only after a signed confirmation arrives from the connected payment provider webhook.
Verified identity
KYC runs before any money moves. Unverified accounts cannot transfer or withdraw.
Defence in depth
Transaction PIN, two-factor sign-in, row-level access rules, rate limits and a full audit trail.
How an account works
- Step 1
Open your account
Sign up with your legal name, date of birth and residential address. A USD account is created for you immediately.
- Step 2
Verify your identity
Submit your identity details for review. Money movement stays locked until verification is approved.
- Step 3
Fund, send, withdraw
Deposits credit on provider confirmation. Transfers and withdrawals require your transaction PIN and post to the ledger.
Safeguards on every account
Controls are enforced on the server, not in the browser. If a control fails, the transaction does not post.
Talk to a real support desk
Questions about your account, a pending transaction or a verification code? Our team answers every message personally.
stateunionbank90@gmail.com- Transaction PIN required before any debit leaves your account
- Two-factor sign-in and login attempt monitoring
- Row-level access rules so records are readable only by their owner
- Risk scoring on amount and velocity, with compliance review on elevated scores
- Immutable audit trail — completed entries cannot be edited or deleted
- Every transaction carries a unique reference and provider record
Questions before you open an account
- Why do I have to verify my identity?
- Identity verification is required before transfers or withdrawals. Unverified accounts can view the product but cannot move money. This protects you and every other customer on the platform.
- How is my balance calculated?
- Your balance is derived from an immutable double-entry ledger. Each movement writes matching debit and credit entries, so a balance is always a calculation rather than a stored, editable number.
- When does a deposit show up?
- A deposit credits your account after administrator review confirms the payment. Until then, the deposit stays pending and visible in your activity.
- How do transfers to other banks work?
- External transfers pass a three-step verification — identity (KYC), a Movement Identification Form (MIF) and a confirmation code issued through our support desk — then an administrator approves the transaction. Transfers between State Union Bank accounts only need your transaction PIN.
- How do I reach support?
- Email stateunionbank90@gmail.com or use the in-app assistant. Support hours are Monday to Friday, 9am–6pm ET.
Transparency & disclosures
Every balance is derived from an immutable double-entry ledger, and every movement carries a unique reference, a provider record and a permanent audit trail. Deposits are credited by administrators only after payment review, and external transfers complete only after three-step verification and administrator approval. Read our full terms, privacy policy and KYC/AML disclosures before opening an account.