Discontinued - the US national bank that pioneered in-app crypto trading, then dropped it in early 2024 under OCC consent-order pressure. Archive entry for the banks segment: even a real US bank charter did not make crypto banking stick.
by the cryptodebitcards editorial desk · curated review · prose updated 2026-10-06 · facts as of 2026-10-01 · how we verify
Vast Bank was the first nationally chartered US bank to offer buy, sell and hold of cryptocurrency directly inside bank accounts [4]. That product ended: the bank disabled and removed its crypto mobile banking application effective 31 January 2024, notified customers that their digital assets would be liquidated and the accounts closed [1]. The documented pressure was regulatory - OCC consent-order territory restricted the crypto product before the exit [2]. Today's vastbank.com is a plain FDIC-insured community bank with zero crypto references [3]. This page is the archive entry for the banks segment of this comparison: even a real US bank charter did not make retail crypto banking stick [1][3].
The crypto product is closed, so there is no attainable crypto fee schedule to quote [1]. The bank's current products are standard community-bank accounts [3]. The historical lesson in the fee column is structural, not numeric: the crypto product lived inside a chartered bank and still ended when the regulator pressed [2].
Full bank KYC applied and still applies to the bank's accounts [3]. Crypto onboarding no longer exists [1]. Nothing further to document.
The historical product held customer crypto directly at the bank - a custodial balance on the bank's own books, the model that made it unique in this comparison [4]. All digital assets were liquidated at the exit [1]. Today there is no crypto top-up, no card crypto load, no on-chain anything [3].
No crypto rewards program is documented in the sources we hold [1][3]. The bank's products are standard retail banking [3].
The documented story is clean and instructive: a nationally chartered, FDIC-insured bank ran in-app crypto trading from 2020, and ended it under OCC consent-order pressure in early 2024, liquidating customer assets in an orderly exit [1][2]. Customers did not lose funds - the documented outcome was liquidation and account closure, not loss [1]. The 2026 community chatter about a tokenized-deposit initiative is wholesale-side and not a retail crypto revival [5]. The reason this archive matters: "it's a real bank" is not a continuity guarantee - regulatory pressure ended the product line [1][2]. Our fact set is not fully verified (reported) as of the facts date.
Do not expect crypto banking here - the product was liquidated and removed in January 2024 [1][3]. As market history, this is the benchmark case for what regulatory pressure does to bank-run crypto products [2]. If a tokenized-deposit product ships someday, re-evaluate it as a new product [5].
| Fine print | N/A - crypto services exited effective January 31, 2024 |
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Looking to get a Vast Bank Crypto card? The program discontinued and no longer issues cards to new customers. The review below documents what happened to the program and to existing balances - for a working replacement, compare live options instead:
Back and verifiable: the Uphold Debit Card relaunched in the US with up to 4% back in XRP (Elite, $99.99/yr) or 2% (Essential, free), Visa acceptance with Apple/Google Pay, no credit check and FDIC pass-through on the USD balance. The trade-offs: rewards are XRP-denominated with conditions (holding periods, monthly caps), the program's history is pause-and-restart, and support tickets show crediting/adjustment friction. US-only (no NY/LA/territories).
Gate Card exists, is actively developed and advertises the most aggressive cashback headline on this list (up to 8%), but the program is a black box: issuer unnamed, no published fees, no documented limits, regions defined only as 'non-restricted countries'. Fine as an exchange perk for heavy Gate users - hard to verify for anyone comparing card terms.
The most regulated issuer context for a crypto-rewards credit card (NYDFS trust, WebBank-issued Mastercard World Elite): 4% gas/EV/transit, 3% dining, 2% groceries, 1% elsewhere, no annual fee, rewards in BTC or 50+ cryptos. It is a credit product (bureau approval, no crypto funding), US-only, and the issuer carries a 2025-2026 withdrawal-security-hold complaint pattern at the exchange level.
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