Earn 3.00% APYa on your balance in a high-yield North One Business Checking Account

—that’s nearly 38x the national averageb
Put your cash to work

A small business bank account that works for you

Small business banking that works for you

Power your profit with high APY1, no hidden fees2, and cash back rewards3.

Maximize your earnings and reduce costs with a business checking account4 that works as hard as you do.

Apply for an account

North One is a financial technology company, not a bank. Banking services for the deposit account provided by The Bancorp Bank, N.A., Member FDIC.

Up to 3.00% APY1

Grow your balance with an industry-leading APY that’s nearly 42x the national average5

No hidden fees2

No minimum balance required, no overdraft charges6, and reimbursement for up to six third-party ATM fees7

Cash back rewards3

Get 4% back on hotel and restaurant expenses and 1% back on fuel

Fast deposits

Gain instant access to funds

Say goodbye to unnecessary holds and instantly access funds.

Instant Deposits

Get immediate revenues from Stripe, Amazon, PayPal, Square, Venmo, Cash App, and more8

Unlimited Domestic Wire and ACH Deposits

Enjoy unrestricted wire transfers and deposits

Mobile Check Deposits

Deposit physical checks directly in the app with funds usually available within 3 business days9

Powerful payments

Move money with speed & confidence

Quickly and securely transfer funds to support vendor payments, operational costs, and everyday transactions.

High-limit Domestic Wires

Send up to $200,000 in domestic wire transfers daily

Flexible ACH Options

Transfer up to $50,000 per day through standard or Same-day ACH for faster processing10

Paper Checks Made Easy

Send physical checks directly from the app—no checkbook, no stamps, no hassle11

Time-saving integrations

Built-in tools that get the job done

Save hours on bookkeeping and simplify financial management with our powerful suite of tools.

Intuitive integrations


Sync your North One Account with accounting platforms like QuickBooks Online, Xero, and more

Automated 
Bill Pay


Schedule, manage, and automate payments effortlessly

Real-time cash flow tracking


Monitor income and expenses in one centralized dashboard

Built-in budgeting and expense tracking

Categorize expenses and stay on top of your spending with ease

Lending options

Capital when you need it12

Take advantage of growth opportunities without waiting.

Up to $250,000 in funding

Choose between a Business Line of Credit or a Business Term Loan

Fast approvals

Instant
card locking

Apply in just two minutes with no impact on your credit score and get a quick response

Same-day funding

Automated reporting

Don’t miss your opportunity–get the funding you need when it counts

We’ve got you

Comprehensive customer support

Real help from real people

—on your schedule

Dedicated support

Get support your way
—start an in-app chat, send us an email, or schedule a call

Plus Plan

Priority support

Faster resolution times and enhanced assistance for scaling businesses

24/7 account access

Manage your account anytime through North One’s mobile or web platform

Dedicated support

Get support your way
—start an in-app chat, send us an email, or schedule a call

Plus Plan

Priority support

Faster resolution times and enhanced assistance for scaling businesses

24/7 account access

Manage your account anytime through North One’s mobile or web platform

Why North One?

North One vs. traditional banks

APY1
Monthly Account Service Fee16
Minimum Balance Requirement1
Receiving a Domestic Wire
Sending a Domestic Wire
Standard
2.50%
$0
$0
$0
$20
Business Complete13
0%
Up to $15
$2,000
$15
$25
Initiate14
0%
Up to $10
$500
$15
$25
Business Advantage FundamentalsTM 15‍
0%
Up to $16
$5,000
$15
$30

FAQs

Frequently Asked Questions

What bank account is best for a small business?

The best bank for a small business account depends on your needs. Look for features like no hidden fees, high APY1, easy access to funds, and seamless bookkeeping tools. Online options like North One cater to small businesses with flexible, cost-effective solutions.

What’s the best business banking account to use for an LLC?

The best business banking account for an LLC offers no hidden fees, high APY1, and tools for managing expenses and cash flow. Online business banking accounts like North One are ideal, providing features like unlimited transactions, team access, and integrations that simplify bookkeeping and tax compliance.

Which account is best for small businesses?

A business checking account is ideal for daily expenses and transactions, while savings accounts help grow reserves. North One combines both with APY1 and no hidden fees.

Which business account is the best for small businesses?

A business checking account with no hidden fees, high APY1, and built-in financial management tools—like North One—is best for managing cash flow and expenses efficiently.
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1 The Annual Percentage Yield ("APY") for your Standard or Plus Plan is variable and may change at any time. 2.50% APY applies to Standard Accounts, and 3.00% APY applies to Plus Accounts on balances of $250,000 or less if eligibility requirements are met, including but not limited to a cumulative monthly card spend of at least $500.00, and if the account balance is greater than $0.00. For Accounts with balances over $250,000 the APY will range from 3.00% to 2.14% for Plus Plans and 2.50% to 1.78% for Standard Plans. The disclosed APY is effective as of December 18, 2024, please see your APY Program Terms & Conditions for details.

2 Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details.

3 Automatic rebates are provided by North One’s Mastercard® Small Business Debit Card Easy Savings Rebate Program.

4 While North One does not issue personal checkbooks to write checks, North One gives you the freedom to send checks to anyone, anytime, from anywhere via your North One Account. See your Deposit Account Agreement for more details.

5 The national average interest rate for interest checking as posted on https://www.fdic.gov/national-rates-and-rate-caps, as of January 21, 2025.

6 We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account. This could also include, but is not limited to, preauthorized ACH transfers that are scheduled, recurring, and/or pending but have not yet settled. In some instances, we may try to cancel or recoup funds from transfers made with the invalid funds due to an ACH or check return. If your account balance remains negative, activity will be evaluated, and your account could be closed.

7 North One does not charge a fee for this service but may reimburse you for third party fees charged. You must contact support@northone.com to request reimbursement. Some restrictions apply.

8 Connect your North One Business Checking Account to instant transfer features from third party providers, where funds can typically be available in seconds. Please consult their respective terms and conditions for details on any third party fees or possible delays.

9 See Deposit Account Agreement for details on mobile check deposit.

10 Same-Day ACH payments subject to fee. Timing of transfer depends on when the payment is scheduled. See the Deposit Account Agreement for cut-off times and more information.

11 The North One Account is not a checking account. You can send pre-authorized checks, subject to a fee. See the Deposit Account Agreement for more information.

12 North One is a financial technology company, not a lender. North One does not issue loans or make credit decisions in connection with loans. North One Lending is powered by Kanmon. All loans are subject to credit approval. Your terms may vary. North One Lending loans are issued by Kanmon, a licensed lender. California Loans are made pursuant to a Department of Financial Protection and Innovation California Lenders Law License. Read more about Kanmon here.

13 Based on data pulled from Chase Business Deposit Account Agreement on June 24, 2024 https://www.chase.com/content/dam/chase-ux/documents/personal/checking/biz-how-your-transaction-will-work.pdf.

14 Based on data pulled from Wells Fargo Business Account and Fees Information on June 24, 2024 https://www.wellsfargo.com/assets/pdf/small-business/information-schedule.pdf.

15 Based on data pulled from Bank of America's Business Service Fees on June 24, 2024 https://www.bankofamerica.com/salesservices/smallbusiness/resources/business-schedule-fees/.
‍
16 The North One Plus Account has a $20 monthly fee. See our Deposit Account Agreement for details.
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Banking Services provided by The Bancorp Bank, N.A., Member FDIC. The North One Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.