CanteenA Sandboxx company
CANTEEN · EST · MMXXVI

Bank. Borrow. Build.
Made for the military.

Join the waitlist

$500 on your first payday

Paid when your first military direct deposit arrives, no matter how long that takes.

Your pay

Payday is every day.

The pay you’ve earned so far this period is already counted, and already yours. Draw it today, not on the 1st.

The Canteen home screen. A Draw $200.00 button, and under it a green VERIFIED WITH DFAS marker reading Navy, E-6 Petty Officer First Class, $3,130 a month base pay. Below that, a squad of three people and the transfers between them.

  • Your squad

    The people you actually move money with, one tap away.

  • Both directions

    Every dollar in and out, named and to the cent. Nothing pending for three days.

Detail · No pay stub, ever

The button is pay you’ve already earned this period. Your branch, grade and base pay come straight from the office that issues every military paycheck - so nobody here ever asks you to prove it.

Built for you and your family, from your first paycheck to your last formation.

What a bank asks you for

  • Two recent pay stubs
  • Proof of employment
  • A screenshot of your balance
  • A credit file that ignores BAH
  • Three to five business days

What we ask you for

None of it.

Your pay comes straight from DFAS, the office that issues every military paycheck. We see it the moment you earn it, so you never have to prove what you make.

At launch

Six things you're issued on day one.

Pay timing

Daily Pay

Draw the pay you've already earned, any day you need it. No fee, no interest, no waiting for payday.

Approval

Loans in Minutes

The best rates in the military, and an answer in minutes. Nothing to upload. Nobody to wait on.

Credit building

Credit Builder

A car, an apartment, a phone plan - all priced off a credit history you may not have yet. Your everyday spending builds it, and we show you what moved it.

Instant transfer

Instant Send

Your squad, your bunkmate, your family back home. The money lands the second you send it.

Before you sign

Loan Shark Radar

The lots that work the gate. The apps promising cash today at 400%. If you're about to sign with one, you hear it from us first.

Rate cap

The 6% Cap

Anything you owed before you enlisted drops to 6% while you serve. Almost nobody gets it, because you have to ask. We file the SCRA paperwork and keep it filed.

We've got your six.

One more thing

Your SF 1199A is already filled in.

Every branch hands you the same form and tells you to get it back before pay can start. Yours is done the moment your account opens. Every box.

SF 1199ACHECKINGROUTING NUMBER081409721ACCOUNT NUMBER372149706

What goes wrong

One digit in the wrong box. Nothing rejects it. You find out on payday, four weeks later.

What we know

Your account and routing numbers, your legal name and address. Exactly, because we opened the account.

What you do

Sign it and hand it over. From your phone in the airport, or printed on the way to the recruiter.

Squad

Sent before you’ve left the parking lot.

Gas money. Covering somebody until the 1st. Paying back the guy who bought the tickets. One handle, and it’s there.

Sending money in the app. The handle @bruce has been typed in, it has resolved to Bruce Wayne, Petty Officer First Class, Navy, and the amount is $100.
The Scan to pay me screen: a QR code over the handle @bruce, with a note that the code carries no account number and no amount.

  • What you type

    A handle. Their name, rank and branch come up before a cent moves, so you can see who you are paying.

  • What they show

    A code carrying a handle and nothing else. No account number to steal, no amount for anyone to alter.

  • What happens in between

    Instant, and free, between Canteen members. Not a request, not a pending item. The balance on the other phone has already changed.

Not on the issue sheet

Some of your pay should never reach checking.

Set a goal and a slice of every paycheck moves across on its own, the day it lands. A real account in your name, and it comes back the second you need it.

EACH PAYDAYAFTER A YEAR$86$2,067

When it moves

On payday, because we watch the paycheck land rather than guess at a date. Not the 3rd, not two days late, not whenever a batch runs.

When it doesn’t

It checks your balance first and moves what fits, down to nothing. Set a floor and it will never take you below it. A tight month costs you a smaller transfer, never an overdraft.

Getting it back

One tap. No notice, nothing to ask for. Money you can’t reach in an emergency isn’t savings.

Open up to five

  • 01

    Emergency

    Three months of base pay

  • 02

    Deployment

    Tax-free months, nothing to spend it on

  • 03

    PCS

    The truck lands before the reimbursement

  • 04

    Transition

    Terminal leave, then a month with no pay

The card

Issued the day the account opens.

A Canteen debit card in your name. The savings behind it are the same account, so money set aside is a tap away, not a transfer away.

Two savings goals opening in the app, an emergency fund and a PCS fund, above a Canteen debit card issued to Clark Kent.

  • In the wallet first

    In Apple Wallet the day the account opens. Tap to pay that afternoon, weeks before anything reaches the mail.

  • Nothing to avoid

    No monthly fee, no minimum balance, no overdraft fee waiting for the week before payday. There is no version of this account that costs you money to hold.

Nothing hidden

Exactly what it takes.

The whole way from nothing to your money entirely in your hands, laid out before you start. Nothing to dig out, nothing to photograph, nobody deciding whether to believe what you earn. The only two things we can't already know are your date of birth and your SSN.

  • The Canteen welcome screen: the challenge coin above the words Bank. Borrow. Build. Made for the military, and a Create your account button.

    01

    Welcome

    The coin, before a single question.

  • Where are you in your journey: seven choices grouped as Serving now - heading to basic, Active Duty, National Guard, Reserve - then Served, being retired or a veteran, then Military family.

    02

    Who you are

    Heading to basic, Active, Guard, Reserve, retired, veteran, family - so we only offer what actually covers you.

  • Get paid the day you earn it: a brass dial reading $420 available to draw, over the words no fee, no interest, no waiting for the 1st and the 15th.

    03

    Daily Pay

    Draw what you've already earned. Try it here, before you've given us anything.

    Active, Guard and Reserve only.

  • The caps are the law, we enforce them: a radar sweep with one contact lit, and a note that SCRA holds your interest at 6% and that Predatory Lender Radar flags the traps before you sign.

    04

    Protection

    The 6% cap and the lender radar, on before the account is.

    Active, Guard and Reserve only.

  • Real numbers, not estimates: branch and pay-grade chips with Navy and E-6 chosen, reporting a monthly base pay of $3,401 for a Navy E-6 Petty Officer First Class.

    05

    Real numbers

    Branch and grade, and we show your actual base pay off the 2026 tables.

  • Connect DFAS, we do the rest: a shield struck with a check mark, and a marker reading confirmed, Navy, E-6.

    06

    Connect DFAS

    One link reads rank, grade and pay from the source. No LES to photograph.

  • This coin has your name on it: a challenge coin struck LOGAN MEEK, above a full name field.

    07

    Your name

    Your legal name - it's struck into your coin and printed on your card.

  • Where can we reach you: an email field, under a note that the address is for your statements and for the code that gets you back in on a new phone, and to use a personal address rather than a .mil one.

    08

    Email

    Statements, and the code that gets you back in. A personal address, not your .mil one.

  • And your number: a phone field, under a note that this is the second step when you sign in on a new phone, and where a code goes before money leaves your account.

    09

    Phone

    The second lock, and where a code goes before money leaves.

  • Where do you live: street, city, state and ZIP fields, under a note that a barracks or on-post address is fine but a PO box is not.

    10

    Address

    Barracks and on-post are fine. A PO box is the one thing that isn't.

  • Your work and your pay: a reading of $40,812 a year before tax, worked out from E-6 base pay, with buttons reading That's right and Change it.

    11

    Work and pay

    Banks have to ask. We work it out from your grade - you just check it.

  • Let's make it official: a date of birth, and a Social Security number shown masked, under a note that federal law requires a bank to identify you and that neither is stored on the device.

    12

    Identity

    Date of birth and SSN, because federal law says so. Never stored on your phone.

  • Your card is already live: a Canteen debit card ending 4917 in the name LOGAN MEEK, described as a virtual card that lives in your wallet with nothing shipping.

    13

    Your card

    Live the moment the account opens. Nothing ships, nothing waits at a barracks.

  • Lock it with your face: a Face ID mark, under a note that your device's face or fingerprint is the key and there is nothing to remember and nothing to leak.

    14

    Face ID

    Your face is the key. No password to forget, reuse, or be talked out of.

  • You're issued: a challenge coin struck LOGAN MEEK, above the words welcome to Canteen and your account is live.

    15

    Issued

    Checking, savings, a live card. All that's left is routing your pay here.

Join the waitlist

Tell us where you serve.

We're opening Canteen in waves. Your branch and status tell us which wave you're in, and we'll email you when it's yours.

First wave

100 accounts

The first wave is one hundred accounts. It's the only one issued on these terms.

  • 01

    $500 on your first payday

    Paid when your first military direct deposit arrives, no matter how long that takes. No minimum balance, no monthly fee to avoid, nothing to redeem.

  • 02

    Terms that don't expire

    No account fees. All of your earned pay available, not a fraction of it. And a person on the phone instead of a menu. Held for as long as the account is open.

Your place is held by the email you enter below. There's no code and nothing to claim. If you're in the first wave, it's already yours.

Three questions

Get in line.

We use your email to tell you when Canteen opens, and your branch and status to decide who we open to first. We don't sell your information.