Google will soon offer checking accounts, the Wall Street Journalreported earlier this month. For parent Alphabet, that’s the most exciting venture since drone-based delivery. Or balloon-based broadband. Or kite-based wind power.

To get off the ground with its version of the centuries-old financial product, Alphabet won’t need gliders, zeppelins, or rockets. It will just need a centuries-old bank. Citigroup will handle the financial plumbing and branding. To keep things folksy, the credit union at Stanford University will pitch in.