Get your business banking done 90% faster with North One
Save hundreds yearly on fees (no monthly fees, no overdraft fees, no ATM fees)
Open a bank account at no cost with no monthly minimum balance
Automate tedious financial management tasks with a connected bank account
Get your business banking done 90% faster with North One
A connected approach to banking
A suite of integrated tools in a single, cohesive platform
Free bill pay
Our Bill Pay feature is built into the platform at no extra cost. Pay your vendors on autopilot and always on time
$29,000+ in perks
Browse our hand-picked discounts, free trials, and sign-up offers to build, manage, and grow your business
Move money
Send and receive money with cash, checks, wires, ACH, and cards—with no hidden fees4
Unleash your business with powerful business banking
Close your books faster
Spend less time on banking & bookkeeping by automating financial tasks with our tools.
Create budgets and spend with precision
Make informed decisions with a centralized view of your sales, payments, spending, and budgeting.
Run your business with less limits on transfers in or out
Enjoy high daily limit ACH & wire transfers and unlimited daily deposits into your account.
Companies of all stages and sizes
thrive with North One
A small business bank account trusted by owners like you
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.
Generous transaction limits for buying inventory, paying vendors, and processing sales
Upper Deck Conference attendees enjoy 6 months of Plus for free
Get started in as little as 3 minutes from your computer or your phone
A small business bank account trusted by owners like you
Companies of all stages and sizes thrive with North One
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 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 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 to request reimbursement. Some restrictions apply. See Deposit Account Agreement for details.
8 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.
9 Satisfaction rate reflects our most up-to-date customer satisfaction score, which is updated monthly based on Customer Service Reports.
10 The North One Plus Account has a $20 monthly fee. See our Deposit Account Agreement for details.
11 Based on data pulled from Chase Business Deposit Account Agreement on June 24, 2024 https://www.chase.com/content/dam/chase-ux/documents/personal/checking/biz-how-your-transaction-will-work.pdf.
12 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.
13 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/.
14 North One is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.
15 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.
Privacy Policy
© 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.
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.
The card is only the beginning
Debit cards for all co-owners
Easy-to-use mobile and web platform
Access up to $250K in business loans8
Get everything you need to send money, deposit money into your account, and manage company spending
Earn more with a leading Business Interest Checking Account
Grow your balance with 3.00% APY5
—that’s nearly 42x the national average2
Qualifying is simple:
Close your books faster
Built in budgeting software with North One envelopes
Real-time sync with supported accounting suites:
North One’s enhanced bookkeeping and accounting tools eliminate wasted time, unforced errors, and costs
Increase your team’s productivity
Spend less time on banking & bookkeeping. Automate your financial tasks with our tools.
Free Bill Pay allows you to automate the work of paying your vendors, suppliers, and contractors
Connect every essential business tool to your North One Account
Receive industry-leading customer support with a 85%+ satisfaction rate9
Getting started with North One is easy
Open an account in just a few minutes
Step 1
Submit your application
Answer a few questions about your business for our team to review and validate
We’ve helped over 360K businesses of all stages and sizes operate at their highest level
The small business community loves North One—but don’t just take our word for it
Jason Ditkofsky
McNeil Signs, FL
I have so much more clarity into the health of my business. And North One’s [Connected] Bank Account does the work I used to do manually. Our team is way more productive.
Shannon DeMarco
Unique Times, GA
Setting up my account with [North One] was extremely easy and user-friendly. I'm a proud customer of North One—I highly recommend them to all business owners.
David Mitchell
Dentist, IN
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.
Step 2
Get approved
Once your application has been reviewed and approved, you’ll have access to your account
Step 3
Start using North One
Start using your virtual company card instantly while your plastic card arrives by mail
FAQs
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.
Applying for a North One Business Checking Account has no impact on your credit score.
Does applying for a North One Business Checking Account impact my credit score?
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.14
Is North One a bank?
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.15
What is the limit on the North One Mastercard® Small Business Debit Card?
Track your sales and revenue
Track every incoming dollar across all major payment platforms, marketplaces, and points-of-sale—all on one platform
Get sales insights through our growing partner list:
1
Up to 3.00% APY
Grow your balance with an industry-leading APY that’s nearly 42x the national average2
5
Cash-back rewards
Get 4% back on hotel and restaurant expenses and 1% back on fuel
3
No hidden fees
No hidden fees, no overdraft charges6, and reimbursement for up to six third-party ATM fees7
4
Maintain a positive daily balance
Spend $500 or more each month using your North One Mastercard® Small Business Debit Card
North One vs. traditional banks
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 rewards, and no fees3
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 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 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 North One does not charge a fee for this service, but may reimburse you for third party fees charged. You must contact Support to request reimbursement. Some restrictions apply. See Deposit Account Agreement for details.
7 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.
8 Satisfaction rate reflects our most up-to-date customer satisfaction score, which is updated monthly based on Customer Service Reports.
9 The North One Plus Account has a $20 monthly fee. See our Deposit Account Agreement for details.
10 Based on data pulled from Chase Business Deposit Account Agreement on June 24, 2024 https://www.chase.com/content/dam/chase-ux/documents/personal/checking/biz-how-your-transaction-will-work.pdf.
11 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.
12 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/.
13 The Bancorp Bank, N.A.; Member FDIC. North One is not FDIC-insured. Deposit insurance coverage only protects against failure of The Bancorp Bank, N.A.
© 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.
Privacy Policy
© 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.
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.
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.