The leading accounting software now has its own bank account, but it lacks support.
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 Checking 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 Checking account, support can’t answer questions and will refer you to the website.
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QuickBooks Checking 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.You can open a QuickBooks Cash account in four steps:
You must meet these requirements to open a QuickBooks Cash account:
You’ll need to provide the following information when you apply:
Once you’ve opened a QuickBooks Cash account, you’ll have access to the following benefits:
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.
All funds in your QuickBooks Cash account earn interest and are insured by the FDIC through Green Dot Bank.
While QuickBooks Cash customers are eligible for many benefits, there are some drawbacks as well:
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.
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.
There are a few ways to deposit funds into or withdraw them from your QuickBooks Cash account:
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★★★★★ — Subpar
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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.
QuickBooks Checking is not currently available on Finder
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Michael Finder
Staff writer
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