Business Checking Account

Business Checking* that earns while you work

Earn 2% APY1 on operating cash with instant payments, free transfers, FDIC protection2, and automated cash management.

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2%1 APY. 28x higher than average US checking account.3
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Free and fast wires. Pay bills instantly at any time at no extra cost.4
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FDIC insured2. Deposits protected up to hundreds of millions.
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No fees or minimums. Free to open, free to maintain, no balance requirement.
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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Less time on banking.
More time on business.

90%

of payments automated3

85%

of bank transactions auto-reconciled4

Zero

seconds spent switching platforms

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.

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.

Bank-level protection.
Ramp-level speed.

Up to $190M of FDIC insurance

Up to $190M of FDIC insurance.2

Securely store millions of dollars in the Ramp Checking Account.
Pre-approve who can debit you.

Pre-approve who can debit you.

Authorize trusted debits. Unknown debits get flagged for your review.
Virtual account numbers for cleaner payments.

Virtual account numbers for cleaner payments.

Create dedicated account and routing numbers to add controls when you need it.
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. Customers with a Ramp Checking Account can use the ICS service provided by IntraFi Network LLC. Subject to the terms of the applicable ICS Deposit Placement Agreement, First Internet Bank of Indiana, member FDIC, 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.

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.

One platform > Multiple apps

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

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

Choose Ramp for your Investment Account† too.

Checking and Investment work better together. Ramp can streamline, speed up and maximize earnings for both.

Find out how
Investment Account

Investment Account with portfolios managed by Moment Advisors, LLC. Investing involves risk, including possible loss of principal. 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.

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.

Time is money. Save both.