Banking

• Debit Card – Yes
• Free ATM withdrawals – Yes (300,000 + fee-free ATMs across the US)
• Google/Apple/Samsung Pay – Yes???
• Virtual Cards – No
• Direct Deposit – Yes

Unique Selling Point:
NorthOne offers quick, seamless integration with a variety of third party applications including accounting, eCommerce, point-of-sales software and more. Streamline your expense reports with Expensify, easily manage your accounting with Quickbooks, or track orders, revenue and cash flow with Stripe, Shopify and Amazon integrations.

Who is this app for:
If you’re looking for a full-featured modern business bank account with a digital-first experience, large ATM network, a flat $10 monthly fee and no hidden fees, then NorthOne may be for you. Business owners, freelancers and independent contractors can open a NorthOne account completely online in just a few minutes. With strong ecommerce integrations, NorthOne is a good choice for online businesses, offering automatic syncing across ecommerce accounts, allowing you to easily track net sales, taxes, discounts, shipping, returns, and more, as well as transfer money between your ecommerce platforms and your ban account.

With NorthOnes’s “Envelopes” feature, you can set up an unlimited amount of sub-accounts, where you can easily set aside funds for taxes, profit, payroll, and business expenses, helping you stay on top of your commitments. If you’re looking for a digital banking solution for your small business, with transparent pricing, integrated budgeting and tracking tools, third party integrations and a variety of solutions for both card and cash-based businesses, then NorthOne may be for you.

Bonus points:
– With NorthOne’s partnership with Green Dot, you can deposit cash at more than 90,000 Green Dot locations across the US.

Fintech Pros :
– With the NorthOne app, users can deposit checks into their account directly from their smartphone.
– The NorthOne app allows users to create, send and track invoices directly from their smartphone.

Fintech Cons:
– None

• Debit Card – No
• Free ATM withdrawals – N/A
• Google/Apple/Samsung Pay – N/A
• Virtual Cards – No
• Direct Deposit – Yes

Unique Selling Point:
With Wise’s multi-currency business account you can send and receive money in multiple currencies all over the world, so you can always pay and get paid locally with low fees.

Who is this app for:
If you’re looking for an online banking service with a huge global payment infrastructure, a clear, transparent approach to pricing, and high international transfer limits, then Wise may be for you. Wise focuses on businesses with a large international footprint, who need to be able to make and accept payments in a variety of currencies, to and from an array of merchants, payment platforms and banks. Originally starting life as TransferWise – an international money transfer service that focused on a low, transparent fee structure, Wise has now branched out into the business banking sector.

Wise describe their business account as an alternative to a traditional business bank account. While missing some features of a traditional US bank account, such as FDIC insurance, and credit/debit cards, Wise’s huge international network will still likely appeal to business owners with an international presence, particularly businesses with international offices, as you can move between 55+ currencies instantly, in order to pay mortgages, rent, or bills without a local bank.

Bonus points:
– With Wise, you can connect your business account directly to with Stripe and other e-commerce and trading platforms, and optimize your currency conversion rates by getting paid using your Wise local banking information.

Fintech Pros :
– Those with the Wise app for iOS can utilize Face ID/Touch ID to help make their payments more secure.

Fintech Cons:
– None

• Debit Card – Yes
• Free ATM withdrawals – Yes (38,000 fee-free ATMs across the US)
• Google/Apple/Samsung Pay – Yes
• Virtual Cards – No
• Direct Deposit – Yes

Unique Selling Point:
Lili’s tax tools are specifically aimed at freelancers – with integrated expense management and categorization, automatic income withholding and the ability to easily generate expense reports.

Who is this app for:
If you’re a freelancer or side-hustler and you’re looking for a digital-first bank account built for your needs then Lili may be for you. Freelancers can open a Lili account completely online in just 3 minutes – one that comes with no minimum balance and no hidden fees. With the expense management features in the Lili app, you can easily sort and categorize your expenses on the go, so you can maximize your deductions without having to worry about piles of receipts. With Lili’s Tax “buckets” you can automatically set aside funds to cover your tax bill at the end of the year. Lili’s tax estimation tool will help you determine how much you should save, and can put away the correct percentage of your income into your Tax Bucket. Lili also has an emergency bucket allowing you to set money aside for any unexpected expenses. Lili can also easily generate yearly or quarterly expense reports, helping you save time, and spend less time on spreadsheets. If you’re looking a digital banking solution for your freelancing or side-hustle business, and you want a no-fee, easy-to-use, time-saving solution, the Lili may be for you.

Bonus points:
– With Lili, you can freeze and unfreeze your debit card from the app – giving you increased security in case your card is lost or stolen.

Fintech Pros :
– With the Lili app, you can use the Free ATM locator map to find the closest fee-free ATM wherever you are.

Fintech Cons:
– None

• Debit Card – No
• Free ATM withdrawals – No
• Google/Apple/Samsung Pay – ???
• Virtual Cards – No
• Direct Deposit – Yes

Unique Selling Point:
Brex describe their Cash Business Account as an alternative to a traditional business bank account. While offering many of the same features of a business bank account, such as global ACH & wire transfers, expense tracking, rewards credit cards for staff and FDIC insurance, Brex also allows customers to allocate deposits into a money market fund and potentially earn a return on their account balance.

Who is this app for:
If you’re looking for a modern alternative to a traditional business bank account with strong digital integrations, industry-leading credit card rewards and no monthly fees or minimum balance requirements, then Brex may be for you. Incorporated business owners can open a Brex account completely online in just a few minutes, and get instant access to credit with virtual credit cards. Users can automatically connect Brex Cash with a variety of accounting tools, including QuickBooks, NetSuite and Expensify, in order to easily keep track of all their expenses. With Brex Rewards users can earn industry leading points, discounts and credits at a variety of Brex’s partners, including airlines, hotels ridesharing services, web hosting, software and more. If you run a growing corporation and you’re looking for a digital, scalable way to manage your company’s money, with no fees and access to corporate cards with  automatic expense tracking and accounting integration, then Brex will likely be a strong choice.

Bonus points:
– Brex Cash users who sell using Amazon, Shopify, PayPal, Square and Stripe can utilize instant payouts, allowing them to receive immediate payment for their sales.

Fintech Pros :
– With the Brex app, users can deposit checks into their account directly from their smartphone.
– The Brex app allows users to create and manage virtual business credit cards directly from their smartphone.

Fintech Cons:
– None

• Debit Card – Yes
• Free ATM withdrawals – Yes (38,000 fee-free ATMs across the US)
• Google/Apple/Samsung Pay – ???
• Virtual Cards – No
• Direct Deposit – Yes

Unique Selling Point:
Alongside its business checking account, BlueVine also offers integrated loan and financing options. BlueVine customers can get quick and easy access to business credit facilities including invoice factoring and revolving credit lines, all integrated automatically with their business checking account.

Who is this app for:
If you’re looking for a digital-first business checking with no monthly fees or minimum balance requirements, and access to credit tools to help with your cash flow, then BlueVine may be for you. BlueVine makes it easy to pay vendors and bills – giving you the option of ACH, wire transfers, and paper checks. In addition, BlueVine customers can also earn an industry-leading 1% interest on balances up to $100,000. With it’s intuitive apps and web portal, lack of fees and easy B2B payment options, as well it’s different credit options for optimized cash flow, BlueVine will likely be a good choice for small businesses who have to deal with many different vendors and payment terms who want a simple digital banking solution.

Bonus points:
– None

Fintech Pros :
– With the BlueVine app, users can deposit checks into their account directly from their smartphone.
– The BlueVine app allows users to send and track payments directly from their smartphone.

Fintech Cons:
– None

• Debit Card – Yes
• Free ATM withdrawals – Yes (ATMs fees are automatically refunded)
• Google/Apple/Samsung Pay – Yes
• Virtual Cards – No
• Direct Deposit – Yes

Unique Selling Point:
Novo offers quick, seamless integration with hundreds of third party technology applications. Novo users can get Novo account updates directly on Slack, get Shopify revenue insights from their Novo dashboard and reconcile their accounts directly from Xero.

Who is this app for:
If you’re looking for a modern business bank account with a digital-first experience and no monthly fees or minimum balance requirements, then Novo may be for you. Novo offers a business checking account that comes with no minimum balance and no hidden fees. Business owners and freelancers can open a Novo account completely online in just a few minutes. As a a Stripe Verified Partner, Novo has a strong integration with the Stripe platform, allowing e-commerce businesses and Stripe POS users to see Stripe balances directly in their Novo account, and seamlessly transfer money between the two platforms. With Novo Reserves you can easily set aside funds for taxes, profit, payroll, and other large business expenses, helping you stay on top of your commitments. If you’re looking a digital banking solution for your small business, with a strong focus on solutions for e-commerce and card-based payments, then Novo may be for you.

Bonus points:
– With Novo’s Perks, you can get access to over $5,000 in savings from leading business technology partners, including Google, Hubspot, Zendesk and more.

Fintech Pros :
– With the Novo app, users can deposit checks into their account directly from their smartphone.
– The Novo app allows users to create, send and track invoices directly from their smartphone.

Fintech Cons:
– None