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finder.com’s rating: 3.4 / 5.0
★★★★★
NorthOne Business Banking is a true all-in-one solution for small business owners, startups and freelancers. It boasts unlimited free transactions, subaccounts to help you categorize your money and robust bookkeeping integrations. And unlike other digital bank accounts, this one accepts cash deposits. But it costs $10 a month.$10 per month
Fee
N/A
APY
$0
Minimum deposit to open
APY | N/A |
---|---|
Fee | $10 per month |
Minimum deposit to open | $0 |
Intro or bonus offer | Waive your $10 monthly fee for the first month when you sign up and open an account. After your first month, you'll pay a monthly fee of $10. Offer valid until April 26, 2023. |
ATMs | withdraw cash at any Cirrus branded ATM location (+1,000,000 locations accross the U.S + 2m worldwide), including MoneyPass ATMs |
ATM transaction fee | $0 |
Out-of-network ATM fee | $0 |
Foreign transaction fee | 0% |
Overdraft fee | $0 |
Nonsufficient funds fee | $0 |
Learn more | Apply now |
Review by
Cassidy Horton is a writer for Finder, specializing in banking and kids’ debit cards. She’s been featured on Legal Zoom, MSN, and Consolidated Credit and has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. When not writing, you can find her exploring the Pacific Northwest and watching endless reruns of The Office.
NorthOne claims its business banking account is “everything your business needs built into your phone,” and that couldn’t be more true. This account is jam-packed with features that save you time and money — unlimited free transactions, on-demand customer support, bookkeeping tools that manage your receipts and automatically categorize expenses, and more.
This account is best for business owners, freelancers or startups who want a digital, all-in-one banking platform that also accepts cash deposits. You’ll pay $10 a month for the account, but this price could be offset by nonexistent transaction fees and discounted wire transfer and international exchange fees.
Open a NorthOne Business Banking account online using these simple steps:
Open an account when you meet these requirements:
You’ll need the following on hand when you open your account:
We gathered a quick comparison of similar accounts to help you decide if NorthOne Business Banking is right for you. For more options, select “Compare accounts” to compare even more accounts for your banking needs.
NorthOne Business Banking |
Lili |
Bluevine Business Checking |
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★★★★★ |
★★★★★ |
★★★★★ |
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Fee $10 per month |
Fee $9 for Lili Pro |
Fee $0 |
Annual Percentage Yield (APY) N/A |
Annual Percentage Yield (APY) 1.50% |
Annual Percentage Yield (APY) 2.00% on balances of $0 to $100,000 |
Minimum deposit to open $0 |
Minimum deposit to open $0 |
Minimum deposit to open $0 |
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The NorthOne Business Banking account is packed with features that save you time and money, but there are still a few drawbacks worth noting:
You can deposit cash at most NYCE and MoneyPass ATMs nationwide. Follow these steps:
Eytan Bensoussan
CEO of NorthOne Business Banking
I grew up in a family of small business owners. As a child, I remember that they’d work nights and weekends to make sense of their business finances.
Years later, I worked at a large management consulting firm that served some of the biggest banks in the world. It became clear that banking wasn’t evolving at the same pace as small businesses. While small business owners were finding new ways to run their companies online, financial institutions continued doing things as they’d always done.
So I quit my job and worked to solve this problem. The mission was simple: Create a bank that would remove the painful back-office financial management work for business owners, so that they can focus on what really matters.
NorthOne is built for any American small business, freelancer or startup. While any business builder can use NorthOne, we focus on folks who need a fast way of getting their banking done from anywhere.
Cash is a reality for business owners and we don’t see that changing anytime soon. It was important for us to make sure that NorthOne was cash friendly. We have a network of more than 300,000 ATMs that our customers can use to make cash deposits.
Right now we only have debit cards for the owners of the business, but employee cards are coming soon! We’re excited to provide better banking services for teams and will be creating powerful and simple controls so that owners can make sure those cards are being used for their intended purposes.
We created subaccounts to make it easy to set aside money for big expenses like rent, payroll and taxes. Our customers can either set aside money in a subaccount all at once or use our smart savings tools to take a percentage of all revenue to have cash build up over time.
NorthOne was created with the idea that you shouldn’t need a finance degree to run a small business. We connect to Quickbooks, Xero accounting, Etsy, and other tools that businesses might use. We also help bookkeepers complete their jobs faster. Every transaction has context so your bookkeeper won’t need to call you to ask the what, when or why for each purchase.
NorthOne has the features of a traditional full-service bank, with the simplicity and convenience of a modern digital bank. Most importantly, our pricing is easy to understand. You’ll pay $10 a month for unlimited banking. You don’t need to select from dozens of banking packages or worry about paying for each transaction.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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