Private client banking
Merritt & Cross Trust is a complete banking platform — accounts, transfers, bill pay, issued cards, analytics and administration — built to the standard of an institution that expects to be judged on detail.
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Account types
5
Checking to CDs
Transfer rails
3
Internal · ACH · Wire
Card controls
6
Per-card, instant
Audit log
On
Key actions recorded
The platform
Checking, savings, money market, CDs and credit lines held in one ledger with instant internal settlement.
Internal, ACH and wire rails with per-day limits, explicit fees and a reference code on every movement.
Issue a virtual card in a second. Freeze, set daily limits, and gate online or international spend.
Category breakdowns, month-over-month flow and budget envelopes — rendered legibly, not decoratively.
Track savings targets against a deadline, with progress measured against the amount remaining.
Signed session cookies, hashed credentials, alerting preferences and a complete audit trail.
Security
Sessions are signed JWTs in httpOnly cookies. Passwords are bcrypt-hashed and never leave the server. Balance changes, card actions and sign-ins are written to the audit log.
Signed sessions
httpOnly JWT cookies
Hashed credentials
bcrypt, never plaintext
Audit trail
Every state change
Registration is a single short form. Sign in afterwards to explore accounts, cards, transfers and analytics.