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Business banking

Banking that keeps up with the business.

Operating accounts, payroll, merchant settlement and credit, with dual approval and role-based access as standard.

How it works

Controls first, then convenience.

Nobody moves money on their own unless you decide they can. Approvals, limits and read-only access are set when the account opens, not bolted on after an incident.

Dual approval
Standard
On every payment over your threshold
Same-day ACH
Included
Origination cut-off 2:45pm ET
Merchant settlement
Next day
With store-level references
Client stories

What it looks like in practice.

Merchant services · Columbus, OH

Ivy Lane Bridal Atelier

A gown is paid for in instalments over most of a year, so deposits arrived long before the work and sat in the same account as the rent. Deposits now land in a dedicated holding account, settle next business day with the bride's reference on every line, and move to operating only when a fitting is complete. The bookkeeper reconciles with read-only access that cannot move money.

Next daydeposit settlement Growing
Business banking · Columbus, OH

Meridian Logistics

Meridian ran payroll through a processor that took three business days to settle, which meant funding on Tuesday for a Friday pay date. Moving origination onto SMB same-day ACH, with dual approval held by their controller and CFO, brought funding to the day before and removed the float they were carrying purely to cover the gap.

2 dayscut from payroll settlement Client since 2019
Commercial lending · Columbus, OH

Harrow Street Residences

Eighty-four units on a constrained site, financed on a facility that released against surveyed progress rather than a fixed schedule. The developer kept a named underwriter through the whole build, which mattered twice when the programme moved.

$14.2mconstruction facility Drawn and performing
Personal banking · Columbus, OH

The Ellis household

Two salaries landing on different days and a savings habit that kept losing to the month. A sweep the day after each payday and round-ups on card spending did what a budgeting app had not, because neither of them required a decision.

4.35%APY on savings Client since 2020

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Open an account in about ten minutes.

No monthly fee on Everyday Checking, 4.35% APY on savings, and a banker who answers when you call.

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