Protect Your Assets
-No Matter What Happens in the World

An honest, transparent bank built from the ground up for Safety

If the 2008 Global Financial Crisis has taught us anything, it’s that most banks are not as safe as we’re told to believe. In an instant some of the largest banks have collapsed.

And today it’s an even more critical time to consider the safety of your bank.

COVID-19 has brought  record-high unemployment and loan defaults that are serious enough to collapse entire industries, such as retail, tourism and airlines.

The banking industry could suffer losses multiple times higher than what we saw during the 2008 Global Financial Crisis. We’re talking about a potential to bring down the entire traditional banking system. 

But this time, governments around the world may not be in a position to bail out the banking system. And that means YOU and your deposits could be on the hook.

Now more than ever, you need a bulletproof bank that protects your wealth no matter what happens.

Strategic Bank is built specifically for the ultimate safety and transparency.

How Safe is Your Bank?

With low levels of transparency in banking, we won’t know the depth of a banking crisis until it’s too late…

The COVID-19 pandemic has turned the financial world upside down. 

With millions of people unemployed, we’re global debt at a staggering $250 TRILLION.

While the total bank capital worldwide stands at less than $10 trillion, if even just 4% of the total debt are defaulted by affected individuals and businesses, it will wipe out ALL of the world’s banking capital.

Ultimately, as a depositor, you might end up being the one stuck with the consequences of banks’ bankruptcy.

If you, like us, are a rational person who thinks long-term, it’s not too late to plan and protect yourself.

Ask yourself this:

  • Do your banks treat you well, or like another number, or even worse, a criminal suspect?
  • Do they take care of your money, or do they gamble it away on high-risk investments?
  • Are they transparent? Are they conservative, responsible custodians of your money?

Centuries ago, banks were responsible stewards who took minimal risks with their customers’ funds. Today the world of banking and finance is completely different.

We’re here to change that.

We are doing banking the way it is SUPPOSED to be: 

Safe, Honest and Transparent.

Ultra-Safe, Honest Banking
for Global Clients

You work hard for your money. The decision of which bank to entrust with your hard-earned savings should not be taken lightly.


We are a global bank. We understand how business is done in the 21st Century. We understand that you want to be able to move your money freely around the world.

And we know you want it to be protected from unstable governments and irresponsible bankers.

As an independent bank, we are here to serve you with dignity and respect. 

We’re flexible, fast, and nimble at tailoring services and at structuring deals that do not ordinarily fit into the conventions of banking institutions.

We Understand Your Concerns

You work hard for your money. The decision of which bank to entrust with your hard-earned savings should not be taken lightly.

We understand you want to protect your savings from any potential financial crisis, unstable government and irresponsible bankers.

If you have maintained any bank accounts in the US, then you’re probably no stranger to the excruciating process…

The countless hours you’ve spent on cumbersome account opening processes, the unnecessarily bureaucratic maintenance work, the hours you’re put on hold just to talk to a human on the phone.

Most bankers are inflexible and their priorities these days seem to be squeezing as much profits from customers as possible. They are constantly pushing cookie-cutter products that are irrelevant to your needs or the real world.

Not to mention the outrageous fees you are charged for the luxury of dealing with all this.

We have been on the receiving end and been burnt too many times. That’s why we started Strategic Bank.

Let us help you take back control of your funds and protect your assets.

Ultra-Safe US Bank Accounts
Designed for an Unsafe World

You have worked hard to earn your savings.
Use a secure US bank account to protect it.















Our Promises To You


Our policies are designed to safeguard your assets even in financial crisis. Our number one priority is to keep your money safe and do what’s in your best interest.


The US is not party to Common Reporting Standard (CRS).

You can see where every penny of your money is at all times

An exceedingly high liquidity ratio of at least 40% of deposits held in liquid assets

We hold an excess of 10% in Tier 1 Capital Ratio, whereas most banks keep 3-4%

Lower Account Minimums

than traditional private banks

All loans must be backed by collateral with ≤70% Loan-to-value and meet our strict criteria

Competitive Wire Fees

$35 within the US, $45 to/from US


Account Opening Fees

No fluff. Just simple, honest banking


Monthly Maintenance Fee

– as long as account balance is above agreed minimum on the last day of the month


Digital Account Opening

You can open an account from anywhere in the world

Data Security

We are fanatic about your privacy and information security

Personalized solutions tailored to you & your clients’ needs

Available to Global Customers

We open accounts for both US, Non-US citizens & legal structures around the world

Strategic Bank’s Unique Approach

When our depositors entrust us with their savings, we view this relationship as a sacred bond. We treat our customers, and their savings, with the utmost care and respect. 

And our approach is based on three fundamental pillars:


Banks typically make money by taking risks with their depositor’s funds and investing them in shaky financial instruments to generate profit– black box financial derivatives, and complex, risky instruments like Collateralized Loan Obligations. 

They seem to have forgotten, however, that they’re taking these risks with other people’s money. It’s a strange system indeed that banks make risky bets with your money, pocket the profit for themselves, and then charge you additional fees on top of it all. 

The world saw firsthand back in 2008 how risky this can actually be. One day everything is fine. And the next– years of risk-taking causes a bank balance sheet to collapse overnight.

We think this model is unacceptable.

At Strategic Bank, we prioritize safety above all else. And we do so by maintaining exceptionally high levels of liquidity, and capital, that vastly exceed typical levels at major banks, as well as minimum regulatory requirements.

No matter if you’re seeking to protect your exposure from unstable governments, devalued currencies or unreliable financial systems, or you’re simply creating a Plan B for rainy days, we have strict measures in place to ensure the safety of your assets. 

High Liquidity Ratio

We keep at least 40% of your deposits in high-quality liquid assets, so that your savings can be easily withdrawn even in times of a financial crisis.

Many large banks have reserves below 10%, and some even below 2%. This means that up to 98% of your savings has been loaned out and gambled away somewhere without your knowledge.

High Capital Ratio

Strategic Bank often maintains a Tier 1 Capital Ratio in excess of 100%, vs. around 10% for a major bank.

Conservative Lending Policy

We only invest in conservative, low-risk assets. We only make loans backed by marketable, liquid collateral that vastly exceeds the loan value with a substantial margin of safety.

And unlike most banks, we will never own any mortgage-backed securities, risky derivatives, or any other high-risk asset that puts depositor funds at risk.

We maintain strict adherence to value investing principles and ensure that any investment will be acquired with

  1. A substantial margin of safety to ensure that the bank’s purchase price is well below the intrinsic, book, liquidation, and/or historic value of the asset; and
  2. Sufficient marketability to ensure that the asset can be quickly liquidated.

To put it simply, your funds will be maintained primarily in High Quality Liquid Assets.

To ensure maximum safety for your deposit, the balance (if any) will be placed in the safest loans we can find which conform to ultra-conservative lending standards.


While most banks in the world exchange customer information and your economic activities through the Common Reporting Standard (CRS), the US banking industry is not bound by the CRS and is not obligated to report your account balances to non-US governments.

Enjoy a peace of mind and confidentiality while having your international financial activities protected outside the US.


Modern banking is a black box with extremely limited transparency. Financial statements only provide scant information about what a bank is actually doing with your money.

For example, a large bank may show $100 billion in loans on its balance sheet. But what loans? How creditworthy are the borrowers? How much collateral is there? What’s the quality and value of that collateral? 

Remember, every investment carries risk. And they’re taking these risks with YOUR money. The least they could do is be transparent with you about it. 

We believe you have a right to know where every penny of your money is at all times.

It is not enough for us to merely state that we will be prudent, conservative, and responsible with your savings. We can prove it.

This is why we strive to provide maximum transparency and have made our daily balance sheet available to the public, so you know EXACTLY where your money is — down to the penny.

If we have invested our depositors’ savings in US Treasury Bills, you would know the precise CUSIP numbers of the T-bills, their maturity dates, and the amount.

If we make a short-term loan backed by real estate, you’ll be able to see the exact loan terms and the characteristics of the collateral, so you know how much it’s worth relative to the loan amount.

Personalized Service

There is very little ‘relationship’ remaining in the modern banking relationship today. To most banks, you are just a number– at best, your account number; at worst, the amount of profit they can make from you.

Amazingly, many large banks tend to treat their customers like criminal suspects. And they’re closed to any out-of-the-box thinking. 

We have an entrepreneurial culture and understand business in the 21st century. We can customize solutions to fit our customers’ needs. And we strive to treat all our customers, and their money, with dignity and respect.

And we strive to build real, personal relationships with our customers.

Tailored to Your Needs

Personal Bank Account (Demand Deposit)

Open a safe US-based bank account you can manage all over the world — 100% digital and remote account opening process, with ZERO account opening fees.

Entity Bank Account (Demand Deposit)

Open a safe US bank account for your LLC, IBC, S.A., SpA, GP, LP, Ltda., GmbH, Retirement LLC, and trusts from anywhere in the world.

Open a US Bank Account Today!

Frequently Asked Questions

We have an experienced and involved board – a Board Member who is a former government minister, a reputable and capable CEO, a highly competent COO and highly qualified staff. 

We are a team experienced in finance, legal, administration, customer service, technology, and value creation.

James J. Hickman, Founder and Managing Director
Global entrepreneur, investor, and leader with over 20 years of investing and business experience on several continents.

James is an experienced entrepreneur and investor. He has launched or invested in dozens of businesses internationally across numerous industries from financial services to, real estate, publishing, manufacturing, retail, eCommerce, technology, agriculture, advertising, and more.

He has founded numerous global businesses including a publishing company, which brings actionable insights and information to hundreds of thousands of readers; Agricultural Land Corporation, one of the largest blueberry and walnut growers in the Southern Hemisphere with over 5,000 acres of farmland; and Strategic Bank.

James is a former US Army Intelligence officer. He graduated from the United States Military Academy (West Point) in 2000 with a degree in Mathematics, and he holds a Masters Degree in Accounting and Information Management from the University of Texas at Dallas. 

Julia Whippo, President and Chief Operating Officer
Ex Goldman Sachs – over 10 years entrepreneurial experience and 8 years experience in financial and investment services.

Julia formerly served as a risk manager at Goldman Sachs in New York in the firm’s Risk Management department, where she also served as secretary of the department’s Career Development Committee and the Society of Women Engineers Recruitment Committee.

She has founded or invested in a number of private businesses internationally. 

Julia attended the University of Colorado and graduated magna cum laude with a degree in Applied Mathematics, a Quantitative Finance Certificate, and Minor in Economics.

At Strategic Bank we have few hard and fast rules, and we do make exceptions on a case-by-case basis. But typical account minimums are currently as follows:

  • Individual Demand Deposit Account: $25,000
  • Company / Entity Demand Deposit Account: $100,000 

This will likely be revised higher in the future. 

We can open US dollar Demand Deposit accounts for any of the following:

  • Individual and joint accounts (include US and non-US persons)
  • Corporate accounts (including US and non-US)
  • Trust accounts (including US and non-US)

We can open accounts for citizens, or companies registered, in nearly every country around the world.

The only exceptions include North Korea, Cuba, Iran, Venezuela, and Puerto Rico.

As we have designed Strategic Bank to be a private bank– a safe repository for our customers’ savings– and not a retail bank for day-to-day transactions, we do not presently offer checks or ATM cards.

Our customers can send and receive domestic and international wire transfers directly from our online banking portal. 

Global interest rates at this time worldwide are essentially zero. And rather than offer a near-zero interest rate on deposits (like 0.02%), which creates far more of a tax burden and reporting hassle for our customers than it provides any financial benefit, we’d rather devote our energy to providing you the best possible service. 

Once the interest rate environment changes, however, we will absolutely offer this.

We’ve designed the onboarding process to be straightforward and as simple as possible while still complying with our regulatory requirements.

The process can be completed remotely from anywhere in the world. After submitting your online application, we’ll review the information and see if we’ll need anything further.

For company accounts, we’ll collect information about the company, its owners, and controlling parties.

Once everything is in order, your account will be opened immediately, and we’ll reach out to you with account details.

Read more on our Account Opening page here.

You can open an account anywhere in the world; you do not need to come to see us in person.

We do have offices in San Juan, Puerto Rico, and invite customers to visit us there. But it’s absolutely not required.

Strategic Bank is a US domestic bank and has an ABA Routing Number just like any other US bank.

We model ourself on traditional, private banks. Unlike modern banks that maintain millions of accounts, our intent is to provide tailored, private services to a small number of customers with whom we can maintain a close relationship.

Strategic Bank is part of the US banking industry, which is not bound by the Common Reporting Standards (CRS). We are not obligated to report your account balances to non-US governments and will never share your information without your permission unless it’s required by law.

Additional Information

Additional Information