One Application and Done

One simple 9-minute application gives you access to business checking and invoicing with faster payments, easy bill pay, affordable payroll processing, and automated accounting.

FINSYNC is a financial technology platform, not a bank. Checking accounts are provided by bank partners who are FDIC Members.

business checking hero

It's more than just a bank account

When you apply for a business checking account through FINSYNC, we connect you to the right bank most convenient to you and streamline all essential software and services you need to succeed on one platform.

  • Earn Free Business Checking

    Avoid the $5 per month fee when you maintain a balance $1,000 or above.

  • Receive Payments

    Connect with customers and receive ACH, credit card, check, or CollectEarly and get paid weeks faster.

  • Send Payments

    Connect with vendors and send payments with greater privacy, security and speed using email.

  • Simplify Cash Flow Management

    Manage cash flow with ease and confidence with helpful calendars, projects and more.

  • Full Service Payroll Processing

    Connect contractors and employees to process payroll with full tax reporting and remittance services on your behalf.

  • Automate Accounting

    All banking, payments, cash flow and payroll activity drives reporting automatically.

Everything You Need in a Business Checking Account

  • Online Banking with Bill Payment
  • Mobile Photo Deposit & Remote Deposit Capture
  • Automatic Sweep Accounts
  • eStatements
  • Visa Debit Card
  • eWire Transfer Service
  • Electronic ACH Payments
  • Credit Card Processing

Applying for Business Checking


  • One simple 9-minute application
  • Eligibility is checked in real time
  • Warm introduction to the right banker most convenient to you
  • Easily start sending and receiving ACH payments
  • Seamlessly enable CollectEarly and get paid on invoices before the due date
  • Send payments with greater privacy and security using only your vendor's email
  • Get helpful charts, graphs and calendars to plan for upcoming income and expenses
  • Turn on affordable full service payroll processing whenever you need it
  • Toggle on reports to automate accounting and simplify financial operations
  • Manage cash flow and grow your business in less time with better results
  • Backed by a network of financial professionals who are local and committed to your success

Without FINSYNC*

  • 45 minutes waiting in the branch
  • A day or more before your account is approved for eligibility
  • A "hope" you get paired to the right banker based on your unique needs
  • Another application to qualify for ACH limits that could take hours or days
  • Another loan application to qualify for a cash advance on qualified receivables, and potentially disruption to business operations and how you get paid
  • Send payments exposing your own bank account and routing number
  • Use Excel or something else to plan for incoming and outgoing payments
  • Try to find and then negotiate the best deal on full service payroll processing
  • Waste time adopting complicated software like QuickBooks to run your business
  • Cobble together a number is disconnected systems that consume your valuable time
  • No community programs, support or committed professioinals in your corner

* Fair representation of the experience with 97% of financial institutions.


Better Together

More than just 5 star reviews, our customers report life changing impact!

Caked Las Vegas accelerates growth exponentially by connecting with their banker through FINSYNC.

Watch Story

Better business checking, better business building!

Go from business checking to business building with less time and better results with the only all-in-one platform backed by unmatched services.

Simple Online Application, Local Service, Endless Benefits

Apply For Business
Checking Account

Before you get started


We are not able to service these businesses at the moment:

  • Crypto Currency and Money Services
  • Privately Owned ATMs
  • Marijuana-Related
  • Gambling
  • Money Services Business
  • Business headquartered outside of the U.S.

At this time we are offering online business checking accounts through bank partners in these states:

  • Arizona
  • California
  • Idaho
  • Nevada
  • New Mexico
  • Oregon
  • Texas
  • Utah
  • Washington

Is your business in one of these states?