A bank account reimagined

With fast payment deposits and high-yield savings, a QuickBooks Checking bank account lets you move, manage, and grow your money with confidence.

A photo of a computer showing a QuickBooks Checking account dashboard.

QuickBooks and Intuit are a technology company, not a bank. Banking services provided by Green Dot Bank.

PAYMENTS AGENT

Accelerate your payments

Your Payments Agent learns your business and keeps track of inconsistent payment patterns, helping you draft the right reminders to get paid faster and make cash flow more reliable.

Dive deeper

Notification from Payments Agent that invoice generated from notes is ready

Discover smart ways to save

Payments go straight to the bank

Deposit eligible payments into QuickBooks Checking to see your money faster—without the fees.**

Maximize money with high-yield savings

Make your money work harder—move funds to savings envelopes and earn 3.00% APY.**

Fewer fees, more money for your business

Your checking account is free to open—no monthly fees, overdraft fees, or minimum balances.**

Complete banking, made for you

With QuickBooks, you have everything you need to streamline money management and then some.

Online from start to finish

Deposit customer payments, upload checks, and match them to invoices in real time. Use ACH and wire transfers to move money when you need to—no matter where you work. For a 1.75% fee, you can even transfer money to your external bank account.

Grow your money with 3.00% APY**

Seamless spending power

Automated money management

Do even more with QuickBooks Online

Grow your business, unlock insights, and work like you have a larger team behind you.

Get instant deposit at no added cost

Get paid faster by depositing payments into QuickBooks Checking. Eligible payments hit the bank instantly, and we waive the 1.75% fee.**

Do bookkeeping without the busywork

QuickBooks matches your payments and spending for you and lets you attach receipts to transactions.** Read-only access helps accountants stay informed.

Discover all-in-one financial clarity

Your QuickBooks Checking bank account connects with other QuickBooks tools like payments, payroll, and bill pay to help you manage everything in one place.

Banking that fits your business

Whether you’re just starting out or ready to get organized, there’s a plan that’s right for you.

Have QuickBooks but not banking?

With QuickBooks Online, you have access to business banking at no added cost. Sign in to apply.

Frequently asked questions

Do I need a QuickBooks account to use QuickBooks Checking?

Is a QuickBooks Checking account FDIC insured?

Do I need a QuickBooks Checking account to use Envelopes?

How do I get money into my QuickBooks Checking account?

You have a few options:

Get paid through QuickBooks. If you take payments through QuickBooks Payments with QuickBooks Online and a customer pays an online invoice from you, make sure you select your QuickBooks Checking account as the deposit account and the money will go right into that account.
Move money from one of your existing banks or from other apps. You’ll need to add the routing and account numbers and verify the account. Once you do that, you can transfer money in and out of your main QuickBooks Checking account. If you use QuickBooks Checking as a deposit account on payment platforms like Amazon, eBay, Etsy, or PayPal, you can receive your funds up to 1–3 days early and your federal tax refund up to five days early, compared to standard ACH processing times.**
Deposit a check through the mobile app at no cost.**
Deposit cash at a retail store counter. Fees may apply.
Accept wire transfers to your QuickBooks Checking account at no cost.

Note: We don't charge fees for accepting wire transfers, but the sending bank may charge fees. We only accept domestic wire transfers at this time.

How do I move money out of my QuickBooks Checking account?

You have a few options:

Spend money with your debit card. Use your physical debit card or add it to Apple Pay® or Google Pay™. You can also use your virtual card right away while you wait for your physical card to arrive.
Withdraw cash at an ATM or retail store counter. Get 4 free ATM withdrawals at over 19,000 AllPoint ATMs.**
Make a bank transfer (ACH) to an external bank. Move money to a connected external bank for no fee. Standard ACH transfers take about 3–5 business days.
Transfer money instantly. Move your money from QuickBooks Checking to an external bank instantly for 1.5% of the transfer amount (available through QuickBooks Online).**

Note: For transferring money out, make sure you have enough funds in your primary balance. To move funds from your savings envelopes out of QuickBooks Checking, you’ll need to move it out of the envelope first.

How do I earn 3.00% annual percentage yield (APY) on Envelope balances?

For QuickBooks Checking members, 3.00% APY is earned on balances held across all envelopes (a savings tool inside your QuickBooks Checking account). To start earning APY, manually move money from your main account to a new or existing envelope. You will earn 3.00% APY on the average daily available balances distributed across your created envelopes. To spend money from an envelope, simply transfer money back into your main account and process transactions as normal.

How is my Annual Percentage Yield (APY) calculated?

How do I open a business checking account?

Is it free to open a business bank account?

What are the benefits of opening a business bank account?

There are many benefits of opening a bank account for your business. Firstly, business bank accounts have more legal protections than personal bank accounts, meaning you can be offered protection from business liabilities, which you wouldn’t be when using a personal checking account for business expenses. Business bank accounts are also great for safeguarding your business funds by separating your personal finances. By opening a business bank account, you can more easily monitor your business spending and create more realistic budgets for your business. Business bank accounts also make it easier to get a business loan, line of credit, or a business credit card when you need it.