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Kabbage Checking review

This small business checking account earns 1.1% APY, but it’s currently waitlisted.

Kabbage Checking is a free, high-interest small business checking account in partnership with Green Dot Bank. The account earns 1.1% APY, but it’s currently waitlisted.

$0 per month





Minimum deposit to open


Service fee


Fee$0 per month
Service fee0%
Minimum deposit to open$0
ATMsFree at 19,000 ATMs in the Allpoint network
ATM transaction fee$0
Out-of-network ATM fee$0

Review by

Michael Benninger is a staff banking writer at Finder. He is a former credit analyst and longtime freelancer whose articles have been published by Intuit, Business Insider and the Los Angeles Times. Michael is passionate about all facets of personal finance and has written hundreds of articles about money management during the past decade.

Expert review

Kabbage Checking is best for business owners looking for a high-interest checking account. You’ll earn 1.1% APY and won’t have to worry about monthly services fees or a minimum opening deposit.

And you’ll be able to manage your money through subaccounts as you save for specific goals. But you can’t spend directly from them. You’ll need to transfer the money to your primary Kabbage account.

Also, Kabbage might not be for you if you frequently receive checks as a form of payment. It will take up to five business days before you see your funds if you use the app’s mobile check deposit.

Kabbage Checking hasn’t launched yet, so if you need a business account today, consider other business checking accounts or alternatives like BlueVine Business Checking, which is free and earns up to 1% APY.

How do I open a Kabbage Checking account?

Kabbage Checking account is currently not accepting new customers, but you can add your name to the waitlist to be among the first to find out when it’s available.
  1. Go to the provider’s site and follow the steps to apply.
  2. From the provider site, select Checking from the top navigation menu.
  3. Select Get Started.
  4. Choose or tap Join the waitlist.
  5. Enter your email address, first name, last name and business name.
  6. Select the box next to Checking, then hit Submit.


To open a Kabbage Checking account, you must meet the following criteria.

  • At least 18 years old
  • Must operate a business that doesn’t violate any applicable laws or regulations

What are the benefits of a Kabbage Checking account?

There are some compelling reasons why you may want to open a Kabbage Checking account.

  • High APY. Kabbage Checking accounts earn 1.1% APY, which is far more interest than most other accounts offer.
  • Virtual card. Immediately after opening your account, you’ll receive a temporary virtual card to use for one-time purchases until your physical card arrives in the mail.
  • No monthly fee or minimum balance. There’s no fee or minimum balance requirements to open or maintain this account.
  • Sub-accounts. Create up to five Reserve sub-accounts to organize your income streams or stash away money for specific goals.

What should I look out for?

There are also a few drawbacks to keep in mind before opening a Kabbage Checking account.

  • Slow mobile deposit. If you deposit a check using Kabbage’s app, you won’t see the funds in your account for five business days.
  • Can’t spend from subaccounts. You must manually transfer funds from Reserve subaccounts into your primary Kabbage account before you can spend the money.
  • Forfeited interest. If you close a Reserve subaccount in the middle of a statement cycle, you’ll sacrifice any unpaid interest those funds would have earned.
  • Checks aren’t free. Kabbage lets you write checks from this account, but you’ll pay $20 for 100 personal-sized checks or $125 for 250 business-sized checks, which is on the higher end compared to the cost of checks at other banks or printers.

Kabbage Checking’s ATM network and fees

Kabbage Checking accounts come with a debit card to use at any of the 19,000 ATMs in the Allpoint network, which are primarily found in drugstores like CVS and Walgreens. Kabbage never charges fees for using ATMs, but if you use a machine outside the Allpoint network, the owners of that ATM may assess a fee. Or, use the Kabbage debit card to withdraw cash from your account when entering your PIN at participating retailers.

Compare Kabbage Checking with other business checking accounts

Compare other business checking accounts based on fee, ATM networks and minimum initial deposits.

Name Product Fee Minimum deposit to open ATMs
NorthOne Business Banking
$10 per month
withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs

A digital bank account featuring free cash deposits, on-demand customer support and streamlined bookkeeping integrations.
First Internet Bank Small Business Checking
Up to $10 ATM fee reimbursements a month, plus free access to the ATM Plus Network
No minimum balance and no monthly service fee. Make unlimited deposits. Get reimbursed up to $10 per month in ATM fees
Chase Business Complete Banking℠
$15 per month
(can be waived)
over 16,000 in-network ATMs
This Chase business checking account has built-in card acceptance using a smartphone card reader. $300 bonus offer
Axos Bank Business Interest Checking
$10 per month
(can be waived)
ATM fees reimbursed at any ATM nationwide
Earn up to 0.81% APY and pay no monthly maintenance fee with an average daily balance of at least $5,000.
$4.99 for Lili Pro
32,000 fee-free ATMs nationwide
Freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital bank account. Get up to 10 referral rewards, or $1000.

Compare up to 4 providers

How do I deposit or withdraw my money?

There are a few ways to move money into and out of your Kabbage Checking account.


  • Mobile deposit. Use your smartphone and the Kabbage app to deposit paper checks.
  • Retailer deposits. Deposit cash at nearly 90,000 retailers across the country.
  • Wire. There’s no fee to accept incoming wire transfers.
  • Incoming bank transfers. Accept funds from external banks using ACH transfers.


  • ATM. Withdraw cash for free at any of the 19,000 Allpoint ATMs across the US.
  • Checks. Write checks from this account, but the checks aren’t free.
  • Outgoing wire transfers. Send domestic wire transfers to other banks, but there’s a $25 fee.
  • External bank transfers. Transfer funds to external banks using the routing and account numbers.

How to contact Kabbage’s customer service?

There are two ways to contact Kabbage in case you need help with your account.

  • Call 888-986-8263 weekdays from 8 a.m. to 9 p.m. ET or weekends from 10 a.m. to 6 p.m. ET.
  • Email

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