Overview
In an era of increasingly sophisticated fraud attacks, traditional bank security is stuck in the password era. Fort Knox introduces an entirely new security architecture that stops unauthorized access before it starts.
Industry-first Closed-Loop™ Protection
Like their namesake, Fort Knox High-Security Savings Accounts are set up with only one way out.
Our proprietary patent-pending architecture limits withdrawals to the same verified funding source ensuring your savings can only be transferred back to you, not across the globe by a fraudster.
We're an FDIC-Insured bank, not a fintech
Fort Knox is a division of Austin Capital Bank, a Federal Deposit Insurance Corporation (FDIC) insured interdependent community bank headquartered in Austin, Texas. This means your funds are insured up to the maximum amount allowed by law.
As the bank behind Fort Knox, we've been recognized as a national leader in financial services technology, security, and innovation.
No instant transfers – Ever
Speed is a friend of fraud.
Scams rely on speed to drain accounts before their victims notice, so Fort Knox transfers are designed to remain pending for two days before any money is moved. Notifications about upcoming funds transfers will give you ample time to review and respond to any unrecognized request.
Account Cloak™
Your Fort Knox High-Security Savings Account is actually a combination of two savings accounts; A Secure Transfer Account, and your true High-Security Savings Account layered underneath it.
Not only is your true account masked by your Secure Transfer Account, that true account number is designed to be completely incompatible with any external funds transfer system. This means even if it were compromised – it's no good to anyone.
CLEAR® Biometric Verification
No passwords to steal or guess. Fort Knox leverages CLEAR mobile identity verification technology not only to verify your identity, but to safely and securely access core account functions and features.
Read more about CLEAR®.
Lockdown™ Status
If suspicious account activity is ever detected, your account automatically enters lockdown status, giving you the time and opportunity to review and verify the activity – detecting and stopping fraud before it ever happens.
Read more about Lockdown™ Status.
Custom Security Zones
Fort Knox contains multiple security zones, from logins to funds transfers. Within these zones, you can configure your own security measures, like requiring a Microsoft Authenticator soft token or a YubiKey hard token before a transfer can be scheduled.
Read more about our Security Measures.
No links or QR codes
We'll never send you a link or QR code in our transactional communication. These are the primary tools used in phishing scams and account takeovers.
YubiKey is a registered trademark of Yubico.
CLEAR® is a registered trademark of Secure Identity, LLC