Business banking that works hard for you

Forecast, pay bills, invest, and close the books automatically. Your Checking Account* stays funded while your Investment Account† earns up to -.--%1.

Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services provided by First Internet Bank of Indiana, Member FDIC.
Join the 50,000 businesses making their money do more with Ramp.
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High yield. Fast Liquidity. Zero compromise.

Two intelligently automated accounts that don’t make you choose between earning more or paying on time.

Business Checking* built for ease, speed, and safety

Instant payments, full liquidity, FDIC protection3, and a -.--%2 yield on your operating balance.
Learn more
Business Checking
Ramp Business Corporation is a financial technology company and is not a bank. Bank deposit services provided by First Internet Bank of Indiana, Member FDIC.

The Investment Account† that makes idle cash earn

Idle cash gets up to -.--%1 yield. Professionally managed, auto-rebalanced and fully liquid in 2 business days.
Learn more
Investment Account
Investment Account with portfolios managed by Moment Advisors, LLC. Securities products offered by Apex Clearing Corporation, member FINRA, SIPC. The Investment Account is not insured by the FDIC, not a deposit product, and may lose value.

Less time on banking.
More time on business.

80%

of bank transfers automated4

100%

of Ramp payments auto-reconciled5

Zero

seconds toggling between bank portal and spend

Forecast cash flow in real time

Replace 3 bank portals and a spreadsheet with one centralized forecast. Ramp projects your cash flows 13 weeks ahead.

Automate cash positioning

No more pulling money back at the last minute. Set an operating minimum and funds move back automatically. No manual transfer, no missed deadline.

Invest without the complexity

T-bills? MMFs? Sweep accounts? Skip the busywork. Excess cash gets invested, rebalanced, and optimized without you touching it.

Close the books in minutes, not days

No more pulling money back at the last minute. Set an operating minimum and funds move back automatically. No manual transfer, no missed deadline.

Make idle money make money

Most businesses settle for less on their idle cash. Enter your balance and check what a diversified portfolio could earn.

Fast payments. Low fees. Full control.

Pay directly from where your cash lives. No transfer delays, no hidden fees, no blind spots.

Cut your transfer fees

Cut your transfer fees

Unlimited free same-day ACH, domestic wires and international wires. Send payments with no penalties.4
Speed up your payments

Speed up your payments

Instant payments, fully integrated with your spend. Vendors get paid faster and your cash earns longer - all in one place.
Safeguard every transfer

Safeguard every transfer

Virtual accounts, trusted vendors, and auto-reject rules keep payments locked down without slowing you down.
braintrust

“Having cards, accounts payable and banking in one place saves me a ton of time. I'm not juggling multiple tools to get simple finance work done, so I can spend time on the work that actually moves the business forward.”

Sarah Zeng

Chief of Staff at Braintrust

10,000+

companies running cash on Ramp

$4B

total assets under management

$20B

in payments processed

One platform > Multiple apps

Cash, cards, payments, and investments all on one platform with one easy login.

FAQs

Ramp Business Account

The Business Account is a deposit account offered through First Internet Bank of Indiana, Member FDIC. Ramp is not a bank, and bank deposit services are provided by First Internet Bank.

When you open a Ramp Business Account, you are opening a deposit account at First Internet Bank.

Upon opening a Ramp Business Account, you will start receiving Annual Percentage Yield (APY) on eligible funds in your Ramp Business Account. Interest is paid by First Internet Bank of Indiana, Member FDIC. The interest rate and APY are variable and subject to change without notice.

See Section A(4) of the Bank Agreement for more information. Interest is disbursed automatically each month in your Ramp Business Account.

No! There is no minimum balance requirement, no account opening fee, and no fees required to maintain the Business Account. There are also no transfer caps or transaction limits.

Yes – deposits in a Ramp Business Account receive FDIC insurance up to tens of millions of dollars per depositor.

Customers with a Ramp Business Account can use the ICS service provided by IntraFi Network LLC. Ramp is a financial technology company, not an FDIC-insured depository institution. Banking services are provided by First Internet Bank, member FDIC.

Subject to the terms of the applicable ICS Deposit Placement Agreement, First Internet Bank will place deposits at FDIC-insured institutions through IntraFi's ICS service. A list identifying IntraFi network banks appears at https://www.intrafi.com/network-banks.

Certain conditions must be satisfied for "pass-through" FDIC deposit insurance coverage to apply. To meet the conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi's network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage.

Deposits are insured by the FDIC up to the maximum allowed by law; deposit insurance only covers deposits in the Ramp Business Deposit Account in the event of the failure of the FDIC-insured bank.

Get paid directly into your Ramp Business Account via ACH, wire, or real-time payments. You can easily transfer funds from your linked bank accounts or receive payments from customers and services like Stripe. Payments typically settle the same day but can sometimes take up to five business days. (Transfer times may vary.)

Use your Ramp Business Account to pay all your bills. You'll get unlimited free ACH transfers, domestic wires, and international wires when paying through Ramp Bill Pay or issuing reimbursements. Payments toward your Ramp statements settle instantly. You can also let external services debit your Ramp account directly, making it easy to fund payroll or pay vendors outside Ramp Bill Pay.

For existing Ramp customers, it takes less than a minute to open a Ramp Business Account. Simply navigate to the "Treasury" tab in Ramp, click "open a free account", and input how much money you want to deposit. Once the funds are deposited, you will begin earning and can use the funds to pay your Ramp bills.

If you're not yet on Ramp, you can sign up for free today.

Ramp Investment Account

Investment Account portfolios are diversified, investment-grade fixed-income strategies. Depending on the specific strategy, portfolios may include the following underlying assets:

  • US Treasury and Agency securities
  • Investment-grade municipal bonds
  • Investment-grade agency and mortgage-backed securities
  • Certificates of deposit, cash sweeps, time deposits
  • Investment-grade corporate bonds and commercial paper
  • Repurchase agreements and other high-quality short-term instruments
  • Money market mutual funds

Your Investment Account is protected by SIPC (up to $500,000, including $250,000 cash) in case of brokerage failure. SIPC does not protect against market losses.

You can access your short-term balance with next-business-day liquidity, with no lockups. Withdrawals above your short-term balance may require selling securities from the long-term portion and funds are typically available in 2 business days.

Your total position must be at least $5,000. This includes initial investments and ongoing balances. If your balance falls below $5,000, Ramp may liquidate the remaining balance and return the proceeds to your Ramp Business Account. After your initial investment of $5,000, you can invest more with a minimum deposit/withdrawal size of $50.

Time is money. Save both.