One Application and Done

One simple 9-minute application gives you access to free 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.

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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 and Remote Deposit Capture
  • Automatic Sweep Accounts
  • eStatements
  • Visa Debit Card
  • eWire Transfer Service
  • Electronic ACH Payments
  • Credit Card Processing

Applying for Business Checking

With FINSYNC

  • 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.

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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
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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

1

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.
2

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?