The Easiest Business Banking Account That Actually Grows Your Money
Quick online application, no complications
Get up to 3.00% APY⁶ plus 4% cash back³ plus $0 hidden fees⁴
Most business bank accounts make opening complicated. North One makes it easy. Open the easiest business bank account online in just 2 minutes with basic information.
Get up to 3.00% APY⁶ plus 4% cash back³ plus $0 hidden fees⁴
Most business bank accounts make opening complicated. North One makes it easy. Open the easiest business bank account online in just 2 minutes with basic information.
Apply now (about 2 minutes)North One is a financial technology company; banking services by The Bancorp Bank, N.A., Member FDIC. Deposit insurance applies at the bank level (see 11).
Trusted by leading business publications
The Easiest Application Process in Business Banking
From start to banking in minutes
- Apply Online (2 minutes) - No credit check required.
- Simply enter your EIN and basic business information in our streamlined online application. Applying for a North One Business Checking Account has no impact on your credit score. The quickest business bank account to open online.
- Get Approved Fast - Same-day decisions
- Receive your decision quickly, often the same day you apply. Our approval process is designed for speed without sacrificing security. Most applications move through review within hours.
- Start Banking & Earning Immediately
- Deposit funds and start earning up to 3.00% APY⁶ right away. Your account is ready to use as soon as funding arrives. Begin taking advantage of cash back rewards and fee-free banking immediately.
Why 360,000+ Businesses Choose North One
The smart alternative to traditional business banking
Earn 42x More Than Traditional Banks²
Get up to 3.00% APY⁶ on your business checking account with simple qualifying requirements. Keep a positive balance and spend $500 per month⁶. Your money grows while you sleep, unlike traditional banks that pay practically nothing.
Get Cash Back on Every Business Purchase
Earn 4% cash back at over 20,000 restaurants nationwide³. Get 4% cash back at more than 15,000 hotels when you travel for business³. Receive 1% cash back at over 19,000 gas stations across the country³. Plus subscribers get 1% cash back on everything else³.
No Hidden Fees to Drain Your Profits⁴
Zero minimum balance requirements mean you never pay fees for low balances. No surprise overdraft charges that hurt your cash flow. Fee-free ATM withdrawals nationwide through our network. Receive domestic wire transfers completely free.
Get Your Money Faster
Connect to instant transfer features from Stripe, PayPal, Square, and Venmo for immediate access to your revenues⁹. Same-day funding available when opportunities arise¹¹. Mobile check deposits are available in your account within 3 business days.
Owning two businesses means that my entire life revolves around my work. Banking used to be the most time consuming part of it all, but now I got my free time back.
David Mitchell
Dentist, IN
Start Banking Smarter Today
Get started in minutes with our simple online application. No credit check required means no impact on your credit score. Cancel anytime if you're not completely satisfied. All deposits are FDIC-insured up to $250,000¹² for your peace of mind.
Get Started Now85%+ customer satisfaction rate¹⁰ | 360,000+ businesses served | Free to get started
See the difference for yourself
North One vs. Traditional Banks
Earn More, Save More, Stress Less
Recognized by Leading Business Authorities
Everything You Need in One Platform
All your business banking tools in one place
Your North One Business Checking Account¹ comes with an industry-leading APY that actually grows your money. The included Mastercard® Small Business Debit Card gives you cash back on purchases. Free Bill Pay and automated payments save you time every month.
Real-time accounting software integration keeps your books current without manual work. Access business lines of credit up to $250,000¹¹ when you need growth capital. Manage everything through our mobile and web banking platform designed for business owners.
Real-time accounting software integration keeps your books current without manual work. Access business lines of credit up to $250,000¹¹ when you need growth capital. Manage everything through our mobile and web banking platform designed for business owners.
Ready to Start Earning More?
Take the first step toward better business banking
Get StartedGet started for free. Cancel anytime.
Frequently Asked Questions
Get answers to your most important questions
Banking Designed for Business Success
Elevate your business with a checking account that combines high earnings, smart tools, and zero hidden fees.
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 July 21, 2025.
3 The automatic rebate program is through Mastercard's Easy Savings rebate program terms and conditions may apply. Please see the Terms & Conditions here.
4 Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details.
5 The North One Plus Account has a $20 monthly fee. See our Deposit Account Agreement for details.
6 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.
7 Based on data pulled from Wells Fargo Business Account and Fees Information on June 24, 2024 https://www.wellsfargo.com/assets/pdf/small-business/information-schedule.pdf.
8 Based on data pulled from Bank of America's Business Service Fees on June 24, 2024 https://www.bankofamerica.com/salesservices/smallbusiness/
resources/business-schedule-fees/.
9 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.
10 Satisfaction rate reflects our most up-to-date customer satisfaction score, which is updated monthly based on Customer Service Reports.
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.
© 2025 North One. All Rights Reserved.
All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program.
Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC.
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.
2 The national average interest rate for interest checking as posted on https://www.fdic.gov/national-rates-and-rate-caps, as of July 21, 2025.
3 The automatic rebate program is through Mastercard's Easy Savings rebate program terms and conditions may apply. Please see the Terms & Conditions here.
4 Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details.
5 The North One Plus Account has a $20 monthly fee. See our Deposit Account Agreement for details.
6 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.
7 Based on data pulled from Wells Fargo Business Account and Fees Information on June 24, 2024 https://www.wellsfargo.com/assets/pdf/small-business/information-schedule.pdf.
8 Based on data pulled from Bank of America's Business Service Fees on June 24, 2024 https://www.bankofamerica.com/salesservices/smallbusiness/
resources/business-schedule-fees/.
9 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.
10 Satisfaction rate reflects our most up-to-date customer satisfaction score, which is updated monthly based on Customer Service Reports.
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.
© 2025 North One. All Rights Reserved.
All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program.
Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC.
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.