Earn 3.00% APY5 on your balance in a high-yield North One Business Checking Account1

—that’s nearly 42x the national average2
Put your cash to work

Business banking built for profit

A North One Business Checking Account1 combines the essentials of an online business banking account with unmatched earnings—featuring one of the nation's highest APYs2, cash back rewards3, and no hidden fees4.
‍
Our suite of connected tools help you stay on top of your cash flow.

Get started for free. Cancel anytime.

Apply for an account

North One is a financial technology company, not a bank. Banking services for the deposit account provided by The Bancorp Bank, N.A., Member FDIC.

APY

Earn more with an industry-leading APY

Grow your balance with up to 3.00% APY5—that’s nearly 42x the national average2

Qualifying is simple:

Maintain a positive daily balance

Spend $500 or more each month using your North One Mastercard® Small Business Debit Card

Spend $500 or more each month using your Mastercard® Small
Business Debit Card

Fees

Protect your earnings with no hidden fees3

No minimum balance required

No surprise overdraft charges6

We’ll even reimburse you for up to six 3rd-party ATM fees per month7

North One is a financial technology company, not a bank. Banking services for the deposit account provided by The Bancorp Bank, N.A., Member FDIC.

Cash Back

Cash in on
cash back rewards

Save while you spend

Earn cash back with your North One Mastercard® Small Business Debit Card, online or in person3

Earn 4% at restaurants

Dine out and earn 4% cash back at over 20,000 restaurants across the country

Earn 4% at hotels

Book your next stay at one of 15,000+ hotels nationwide and enjoy 4% cash back on your travels

Earn 1% at gas stations

Fuel up to get 1% cash back at more than 19,000 gas stations nationwide

Earn 4% at restaurants

Dine out and earn 4% cash back at over 20,000 restaurants across the country

Earn 4% at hotels

Book your next stay at one of 15,000+ hotels nationwide and enjoy 4% cash back on your travels

Earn 1% at gas stations

Fuel up to get 1% cash back at more than 19,000 gas stations nationwide

No Holds

Unlock early access to your money

Your money belongs in your account, not stuck in limbo.

Instant
access to revenues

Get paid right away by using transfer features from Stripe, Amazon, PayPal, Square, Venmo, Cash App, and more—no waiting, no delays8

Receive domestic wire transfers—for free

Receive domestic wire transfers, with funds typically available within 24 hours9


Physical checks, simplified

Deposit physical checks directly in the app, with funds usually available within 3 business days


Powerful Integrations

Spend less time banking and more time building your business

Automate financial management tasks with secure integrations, built-in budgeting, and automated Bill Payment.

What used to take hours now takes minutes.

Close your books faster with real-time, secure synchronization to your accounting software

Stay on top of cash flow with a unified view of your finances across all major payment platforms

Boost productivity by connecting your account to your team’s daily tools

That’s time reinvested directly into growing your business.

Lending Options

When opportunity knocks,
fuel your business with growth capital

When opportunity knocks, fuel your
business with growth capital

Access small business funding when you need it10

Get up to $250,000 for your business

Choose between a Business Line of Credit or a Business Term Loan

Apply in as little as two minutes and receive a quick decision

Same-day funding available

North One is a financial technology company, not a bank. Banking services for the deposit account provided by The Bancorp Bank, N.A., Member FDIC.

Testimonials

Hear from our customers

—the proof is in the profit

Jason Ditkofsky

McNeil Signs

Switching to North One saved me $500 in fees last quarter alone—money I immediately reinvested in new inventory.

Jesse Ruben

The We Can Project

When I realized how much cash-back rewards added up, I used them to offset rising fuel costs and help keep my profit margins intact.

Ari Greenfield

Green Touch Solutions

North One has helped me have a clear understanding of my cash flow. It’s helped me budget and spend smarter and keep my business consistently profitable.

Steven Merling

Event-ure Event Planning

Incredibly fast access to my deposits means I can turn around payments faster and keep my projects moving.

Blog

Everyday business lessons

Financial Management

How to Calculate Cash Flow

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Profit First Method: Increase Profit With This Formula

Read

Start a Business

Pricing Services: The 6 Best Methods

Read

Financial Management

Finance Automation: Guide for Small Business

Read

FAQs

Frequently Asked Questions

How is the North One Business Checking Account different from my previous bank account?

A North One Business Checking Account lets you do all the things a regular checking account would, with one of the best APYs in the nation.2 Plus, its powerful integrations connect your account to every other part of your business, giving you insight and clarity into your cash flow.

Does applying for a North One Business Checking Account impact my credit score?

Applying for a North One Business Checking Account has no impact on your credit score.

Is North One a bank?

North One is a financial technology company, not a bank.

All banking services are provided by our bank partner, The Bancorp Bank, N.A., Member FDIC. Thanks to this partnership, customer deposits are FDIC-insured to at least $250,000 through The Bancorp Bank, N.A., Member FDIC.11

What is the limit on the North One Mastercard® Small Business Debit Card?

With your North One debit card, you can spend up to $5,000 per day. There are no limits to the number of transactions per day.12
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New York, NY, 10016
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1 While North One does not issue personal checkbooks to write checks, North One gives you the freedom to send checks to anyone, anytime, from anywhere via your North One Account. See your Deposit Account Agreement for more details.

2 The national average interest rate for interest checking as posted on https://www.fdic.gov/national-rates-and-rate-caps, as of January 21, 2025.

3 Automatic rebates are provided by North One’s Mastercard® Small Business Debit Card Easy Savings Rebate Program.

4 Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details

5 The Annual Percentage Yield ("APY") for your Standard or Plus Plan is variable and may change at any time. 2.50% APY applies to Standard Accounts, and 3.00% APY applies to Plus Accounts on balances of $250,000 or less if eligibility requirements are met, including but not limited to a cumulative monthly card spend of at least $500.00, and if the account balance is greater than $0.00. For Accounts with balances over $250,000 the APY will range from 3.00% to 2.14% for Plus Plans and 2.50% to 1.78% for Standard Plans. The disclosed APY is effective as of December 18, 2024, please see your APY Program Terms & Conditions for details.

6 We will decline or return transactions when you do not have enough money in your account to cover the charge. However, you could still end up with a negative balance if, for example, a transaction is approved for one amount, but then the actual charge is more than what you have in your account. This could also include, but is not limited to, preauthorized ACH transfers that are scheduled, recurring, and/or pending but have not yet settled. In some instances, we may try to cancel or recoup funds from transfers made with the invalid funds due to an ACH or check return. If your account balance remains negative, activity will be evaluated, and your account could be closed.

7 North One does not charge a fee for this service but may reimburse you for third party fees charged. You must contact support@northone.com to request reimbursement. Some restrictions apply.

8 Connect your North One Business Checking Account to instant transfer features from third party providers, where funds can typically be available in seconds. Please consult their respective terms and conditions for details on any third party fees or possible delays.

9 Based on user data, funds availability times may vary. Please see Deposit Account Agreement for details.

10 North One is a financial technology company, not a lender. North One does not issue loans or make credit decisions in connection with loans. North One Lending is powered by Kanmon. All loans are subject to credit approval. Your terms may vary. North One Lending loans are issued by Kanmon, a licensed lender. California Loans are made pursuant to a Department of Financial Protection and Innovation California Lenders Law License. Read more about Kanmon here.

11 North One is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.

12 See Deposit Account Agreement for details on Daily Card Spend Limits.
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Banking Services provided by The Bancorp Bank, N.A., Member FDIC. The North One Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.