Founding Creator spots are limited. First 1,000 get fee-free banking for life.
The bank that will never abandon you.
Free Bank is the first banking platform built specifically for adult content creators — with a contractual guarantee we'll never close your account because of your industry.
🔒 Deposits FDIC insured via partner banks
We're not just building a bank. We're starting a fight.
Banks have been quietly debanking legal businesses for years. No warnings. No appeals. No accountability.
The OCC — the federal agency that oversees the biggest banks in America — found in 2025 that nine of the largest US banks maintained policies making “inappropriate distinctions” against customers based on lawful business activity. Adult entertainment was on every list.
Free Bank is building the financial infrastructure these creators deserve. And while we do it, we'll be in the room lobbying for legislation that makes debanking illegal. Funding legal challenges to the banks that do it. Publishing data. Making noise.
Your work is legal. Your income is real. The bank that tells you otherwise is wrong — and 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 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.
And then — no call, no warning, no appeal — you got 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.
In 2024, $5.8 billion was paid to creators on OnlyFans alone. Every dollar of that income — legal, taxable, real — flows through accounts that can disappear overnight. Not because of fraud. Not because of crime. Because a compliance officer decided your job title made them uncomfortable.
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
The Solution
Not a policy. A contract.
Other fintechs will quietly 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 work with legal counsel to build account protection into the actual agreement between you and us. We’re on a defined path to becoming 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.
Real business checking — no surprise closures
An account built for your business model, not one that tolerates it.
Industry-aware banking partners who know your business model
We work exclusively with sponsor banks that have explicitly agreed to serve adult creators.
Deposits split across multiple FDIC-insured institutions for added protection
Your money isn't concentrated in a single institution that can change its mind.
Contractual account protection — not just a terms of service clause
Your protection is written into the agreement. It can be pointed to in court.
Contractual GuaranteeA roadmap to full banking independence (no more sponsor bank dependency)
We're pursuing our own banking charter — so your security doesn't rely on a third-party policy forever.
What You Get
Built for your business.
Not adapted. Not tolerated. Built.
Business Checking
A real account. No freezes. No 'account type not supported.'
Debit Card
Visa debit. Works everywhere. No judgment.
Auto Tax Withholding
Set your rate. Free Bank sets aside the right amount. No April surprises.
Auto Savings
Pay yourself first, automatically.
Bookkeeping
Income and expense tracking built for your business.
Account Protection
Contractual guarantee — not a policy, not a promise.
Advocacy
We fight for your right to bank. Every day.
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
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.
Founder Story
I built this because you deserved better.
My dad was a banker. Not a Wall Street banker — a community banker. He spent his career helping develop the small Caribbean island he came from: getting money to the people who needed it, building the financial infrastructure that lets a community actually grow. He believed banking was a tool for lifting people up.
I grew up watching that. Banking as service. Banking as community.
And then I looked at what was happening to adult content creators — an industry generating billions of dollars in real, legal, taxable income — and saw the exact opposite. Not a tool for lifting people up. A door slammed in their faces, quietly, with no explanation, by institutions that decided their income didn't count.
I'm not a creator. I don't have a dramatic personal story about getting debanked. What I have is a straightforward read of a broken situation: here is a large, underserved community of real people doing legal work, and the banking system has decided to pretend they don't exist. That's wrong. And nobody with the resources to fix it was bothering to try.
So I decided to try.
The long-term vision isn't just a bank. It's what Silicon Valley Bank was for startups — except built right, and built to last. Banking, yes. But also mentorship, community, business resources, marketing support. A place that treats your content business like the real business it is, and helps you grow it into something bigger. A community that has your back.
We're early. We don't have all the answers yet. But we're serious — and we're building this in public, with you.
Community & Waitlist
You're early. That matters.
Be one of them.
The first 1,000 people to join aren't just early. They're Free Bank Founding Creators — and they'll be recognized as the people who made this possible.
- Fee-free banking for life
- First access when Free Bank launches
- Named on the Free Bank Founding Creators page
- Private community access
Private Community
We're building a private space for early members — banking, taxes, business strategy, and the fight ahead. You'll get access 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
Join the Waitlist
Your spot is waiting.
Free Bank isn't open yet. But when it is, waitlist members get first access, founding pricing, and Founding Creator status if you're in the first 1,000.
FAQ
Questions, answered.
We're in pre-launch — building infrastructure and securing banking partners. Waitlist members get first access when we're ready.
Yes. We partner with FDIC-insured sponsor banks. Your deposits are protected up to $250,000.
We're working with legal counsel to build account protection into the actual contract between Free Bank and each account holder. Not a policy. Not a terms of service. A contract. 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 to obtain a full banking charter (ILC) and become fully independent. That roadmap is public and we'll report progress on it.
Adult content creators first. We'll expand to cannabis, firearms, and other debanked industries over time.
The first 1,000 signups get founding member pricing (fee-free banking for life), early product access, and named recognition as a Free Bank Founding Creator on the site.
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 — with banking partners who know your business and legal agreements designed to protect you.
Sign up. If you're in the first 1,000, you're in automatically.
Still have questions?
hello@joinfree.bank