About Beam

The product we are fixing is one that everyone has, but few understand how it really works—your bank account.

When you open a bank account, you are effectively loaning your cash to the bank at negative real interest. Why? Inflation at the time of this writing is near 2%, and your cash is likely sitting at one of the Big Four banks earning 0.01% interest. That compounds significantly over time. This is—in essence—a bad deal that everyone simply accepts without questioning (or until now). It’s a bad deal that everyone takes from cradle to grave.

What’s more, not everyone gets the same deal. America’s wealthiest 1% today gets to earn above-inflation return on their bank cash, while most of the Americans do not, especially the poor and under-educated. That is far from fair.

Beam makes it its mission to change that. Beam leverages software and financial engineering to deliver the best-possible-rate deposit account to consumers nationwide, bringing justice and simplicity back to banking.


Growth and Marketing Intern

September 2019 San Francisco, CA
“The team was helpful and easy to communicate with regarding the application and interview process. They are understanding and flexible with your availability and allow you to work around your schedule.”
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