NorthOne Business Checking: Flexible Accounts for Small Businesses
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NorthOne Business Checking: Flexible Accounts for Small Businesses
NorthOne gives small businesses a modern checking account with budgeting tools, app integrations, and fee transparency.
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NorthOne Business Checking: Fl...
What Is NorthOne Business Checking?
NorthOne Business Checking is a digital-first business bank account that pairs a Mastercard® debit card, fee-free Allpoint® ATM access, and built-in budgeting (Envelopes) with powerful integrations (QuickBooks, Stripe, Shopify, Square).
NorthOne is a financial technology company—not a bank. Banking services are provided by The Bancorp Bank, N.A., Member FDIC.
NorthOne Business Checking Accounts Overview
| Account | Best For | Monthly Fee | APY | Action |
|---|---|---|---|---|
| Standard Business Checking | Freelancers & small businesses seeking simple, flat-fee banking | $0/month | Up to 2.50% APY | Visit Website |
| Plus Business Checking | Businesses maintaining higher balances & frequent wire needs | $20/month | Up to 3.00% APY | Visit Website |
How It Works
Pick Standard for a $0 monthly fee and strong APY—or upgrade to Plus for a higher APY, lower/faster payments, and priority support.
- Apply online: Open Standard (free) or Plus (premium) in minutes. Start with Business Checking (upgrade later).
- Fund & pay: Use ACH, same-day ACH, domestic wires, mobile check deposit, and Allpoint® ATMs.
- Organize with Envelopes: Set aside money for taxes, payroll, inventory, or profit.
- Connect tools: Sync QuickBooks, Shopify, Stripe, Square (and more) to streamline bookkeeping.
- Earn APY: Meet eligibility requirements to earn APY on checking balances up to $250,000.
Key Features & Benefits
| Feature | Why It Matters |
|---|---|
| High-Yield APY on Checking | Earn up to 2.50% (Standard) or 3.00% (Plus) on balances ≤ $250k (eligibility applies). |
| Same-Day ACH | Move money faster—free on Plus; 1.5% fee on Standard. |
| Domestic Wires | Outgoings cost $15 on Plus vs $20 on Standard; incoming wires are free. |
| Envelopes Budgeting | Segment funds for recurring expenses or savings goals. |
| Unlimited Transactions | No caps on day-to-day usage. |
| Allpoint® ATM Network | Fee-free withdrawals at 55,000+ ATMs nationwide. |
| Priority Support (Plus) | Faster responses, a dedicated Customer Success Manager, and onboarding help. |
Who Is It Ideal For
- Standard: Solo owners and small teams who want a $0 fee account with solid APY.
- Plus: Growing businesses that value a higher APY, faster/free payments, lower wire fees, and priority support.
Pricing & Fees
- Standard: $0/month; same-day ACH 1.5% (min $1, max $20); outgoing domestic wire $20; incoming wire $0.
- Plus: $20/month; same-day ACH $0; outgoing domestic wire $15; incoming wire $0.
- APY: Up to 2.50% (Standard) or 3.00% (Plus) on balances ≤ $250,000 (eligibility applies).
Trust & Security
- NorthOne is a fintech company. Banking services provided by The Bancorp Bank, N.A., Member FDIC.
- Deposits insured up to $250,000 per depositor.
NorthOne Business Checking FAQs
How do I qualify for APY?
Eligibility terms (e.g., monthly debit card spend and a balance > $0) apply to earn APY on balances up to $250,000.
Is same-day ACH available on both plans?
Yes. It’s free on Plus and charged at 1.5% (min $1, max $20) on Standard.
Are incoming wires free?
Yes, incoming domestic wires are free on both plans.
Get Started
Pick the plan that fits your cash-flow needs and growth stage.
| Account Types | Business |
|---|---|
| Features & Access | Budgeting Tools, Expense Tracking |
| Fees & Pricing | Flat Monthly Fee, No Monthly Fees |
| Minimum Deposit | $0 Minimum |
| Perks & Value Adds | ATM Reimbursement |
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