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QuickBooks Cash account review

The leading accounting software now has its own bank account, but it lacks support.’s rating: 3.8 / 5.0


QuickBooks Cash account is a free checking account within QuickBooks where you can deposit all your customers’ payments. It features an attractive interest rate and seamless integration with your existing accounting. But if you’re not already subscribed to QuickBooks Online, you’ll need to open one, which can cost anywhere from $7.50 to $150 a month, depending on your business and its needs.

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$0 per month





Minimum deposit to open


Fee$0 per month
Minimum deposit to open$0
ATMsOver 55,000 Allpoint ATMs
ATM transaction fee$3
ATM fee rebatesYou can withdraw cash from any AllPoint ATM up to four times for free each month. After that, there's a $3.00 fee per withdrawal.
Out-of-network ATM fee$3
Overdraft 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

QuickBooks Cash can help you manage your business’ banking, invoicing and payroll all with one tool, reducing the number of apps you need to run your company while also allowing you to earn a healthy 1.25% APY.

But if you’re not already a QuickBooks Online customer, the $7.50 to $150 monthly subscription fee might not be worth it to you. Plus, there’s no QuickBooks Cash account customer support if you want to speak to someone before opening the account. While there is a live chat option available, support can only answer questions about the QuickBooks online accounting software. For questions about the QuickBooks Cash account, support can’t answer questions and will refer you to the website.

How do I open a QuickBooks Cash account?

You can open a QuickBooks Cash account in four steps:

  1. Go to the provider’s site and follow the steps to apply.
  2. Visit the Provider site and select Explore Quickbooks Cash under Manage your cash flow.
  3. Scroll down to Get started with a better business bank account, and depending on whether or not you’re an existing QuickBooks customer, select the appropriate Get started button.
  4. Log in with your username and password if you’re already a QuickBooks Online customer. If not, sign up for one of the four plans using the corresponding Select button.
  5. Confirm some basic business and personal information, and your QuickBooks Cash account will be ready to use.

You must meet these requirements to open a QuickBooks Cash account:

  • At least 18 years old
  • Registered business in the US
  • Active QuickBooks Online subscription
Required information

You’ll need to provide the following information when you apply:

  • Social Security number (Contact support at 866-697-9600 if you don’t have an SSN)
  • Driver’s license, state or province-issued ID or a government-issued passport

What are the benefits of a QuickBooks Cash account?

Once you’ve opened a QuickBooks Cash account, you’ll have access to the following benefits:

  • All-in-one business banking. QuickBooks Cash integrates with your accounting and lets you accept payments, pay vendors and employees and manage all of your business’s finances with one tool.
  • No fees. There are no monthly fees, overdraft fees or ATM withdrawal fees with QuickBooks Cash, and there’s no minimum opening deposit.
  • Fast deposits. QuickBooks Cash includes free, instant deposits for any revenue received through QuickBooks Payments.
  • High interest rate. Some fee-free digital business banks charge a monthly fee to earn interest, but funds in your QuickBooks Cash account will earn 1.25% APY.

QuickBooks Cash’s ATM network and fees

After opening a QuickBooks Cash account, you’ll receive a QuickBooks debit card in 3 to 5 business days. You can use this card to make purchases anywhere Visa debit cards are accepted, and you can withdraw cash at any of the 55,000 Allpoint ATMs across the country up to four times per month. After your fourth withdrawal, you’ll pay a $3 fee per withdrawal.

You’ll pay a $3 fee for any bank-teller transactions or withdrawals from out-of-network ATMs. This is in addition to any fees the ATM owner might charge.

Is my money safe with Quickbooks Cash?

All funds in your QuickBooks Cash account earn interest and are insured by the FDIC through Green Dot Bank.

What should I look out for?

While QuickBooks Cash customers are eligible for many benefits, there are some drawbacks as well:

  • Subscription required. You’re required to have an active subscription to QuickBooks Online, which isn’t the least-expensive accounting software on the market. You’ll pay $7.50 to $150 a month, depending on your business needs.
  • Not the broadest ATM network. While you can withdraw cash at 55,000 ATMs, you’ll pay a $3 withdrawal fee after your fourth monthly withdrawal. Other business bank accounts offer access to more fee-free ATMs.
  • No customer support. There is no one you can reach out to for questions regarding the QuickBooks Cash account.

If you don’t use or plan to switch to QuickBooks Online for your business accounting software or prefer an account with a larger free ATM network, you’ll want to keep looking. As always, compare your options when considering a business checking account.

Our experience with QuickBooks Cash

We reached out to Quickbooks customer support to confirm account details. Customer support transferred us to their Small Business Consultant specialist. When we asked their specialist to confirm the account details, his response was “I don’t know,” and he led us to an old blog post article with information he could not confirm as up to date. The account specialist explained that there is no one we can contact to ask questions pertaining to the QuickBooks Cash account and that the information is only available online in a blog post.

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Live Oak Bank Small Business Checking Account
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Live Oak Bank Small Business Checking Account
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Pay $0 monthly and account opening fees. Deposit checks, pay bills and initiate transfers online. Access a large network of 55,000+ fee-free ATMs. Connects to QuickBooks.
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Designed for freelancers and self-employed individuals, Found offers banking, bookkeeping, invoicing, tax withholdings and payments, and more. Manage everything from one app.
Bluevine Business Checking
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Bluevine Business Checking
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2.00% on balances of $0 to $100,000
No hidden fees: $0 monthly, overdraft, minimum deposit and transaction fees. Get 2 free checkbooks a year. Earn 2% interest on up to $100,000 after qualifying transactions. Organize your business finances with 5 sub-accounts with unique account numbers. Receive secure logins for each team member.
Finder Rating: 4.6 / 5: ★★★★★
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Small business owners and freelancers get paid up to two days early and can automatically set aside money for taxes with the Lili digital banking account.
First Internet Bank Small Business Checking
Finder Rating: 4.5 / 5: ★★★★★
First Internet Bank Small Business Checking
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0.50% on balances of $10,000+
Get banking tools designed to help you run and build your business, such as budgeting tools, net worth reports and financial wellness tracking. Earn 0.5% APY with a balance of $10,000. Get reimbursed up to $10 per month in ATM fees. Pay no hidden fees with $0 monthly fees, $0 minimum balance and unlimited monthly transactions.

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How do I deposit or withdraw my money?

There are a few ways to deposit funds into or withdraw them from your QuickBooks Cash account:


  • Deposits via business income
  • Incoming bank transfers


  • Outgoing bank transfers
  • ATM withdrawals

Checking account ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.

Read the full methodology of how we rate checking accounts.

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