Bulleted list highlighting no monthly fees, no minimum balance, and no cap on earnings.

Grow your money with QuickBooks. Earn interest at over 70x the US average,¹ and improve business stability knowing your money is working, even when you're not.

How it works

Desk with a QuickBooks debit card and a phone open to a business bank account displaying checking and envelope balances. A notification from QuickBooks reads “you’re approved!”

You can get a business bank account with any QuickBooks plan. If you get QuickBooks Money, the application is part of the signup process. With QuickBooks Online, you can apply after you buy.

Business owner packing products onto a dolly with a savings envelope  balance of $2,000 designated for a delivery car available in QuickBooks.

Assign categories to savings envelopes in QuickBooks Checking according to to your business needs, whether it be for new equipment, your paycheck, or a rainy day.

Business owner packing products into a car with a savings envelope  balance of $15,000 designated for a delivery car available in QuickBooks.

Add funds to your envelopes in QuickBooks Checking to start earning 5.00% APY.** With an interest rate at over 70x the national average,1 you can hit your savings goals sooner.

Find the best way to start earning


Earn 5.00% APY through QuickBooks Money or QuickBooks Online.

Manage money
Manage money and accounting
QuickBooks Money
Money management features without the bookkeeping.

Just pay per transaction
Business bank account
Get a business bank account that’s free to open—with no monthly fees and no minimum balances.**
Earn 5.00% APY
Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.
NEW
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.
Payment transaction rates
Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.
Invoices
Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.
Same-day deposit
Eligible payments land in your bank account the same day—nights, weekends, and holidays—so you can access cash fast at no extra cost.**
Business Network
Sync with customers, see their contact info, send invoices, and accept and track payments with ease.
Cash flow history
See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.
OR
QuickBooks Simple Start
Start with basic bookkeeping and money management tools.


$30
$15/mo
Business bank account
Open a QuickBooks Checking account for free—there’s no monthly fees or minimum balance.**
Earn 5.00% APY
Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.
NEW
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.
Payment transaction rates
Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.
Invoices
Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.
Instant deposit
Get instant access to eligible payments no matter what time of day you get paid.**
Business Network
Sync with customers, see their contact info, send invoices, and accept and track payments with ease.
Cash flow history
See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.
In-person payments
Let customers insert, tap, or use digital wallets to make in-person payments seamless.**
Recurring invoices
Automate recurring invoices and give your customers the option to set up automatic payments.
Estimates
Customize estimates, accept mobile signatures, see estimate status, and convert estimates into invoices.
Line of Credit
Apply for a flexible line of credit to get cash when you need it.
Business loan
Explore funding options with competitive rates—no hidden fees and no surprises.
Free guided setup
A QuickBooks expert can help you set up your chart of accounts, connect your banks, and show you best practices.
Income and expenses
Securely import transactions and organize your finances automatically.
Tax deductions
Share your books with your accountant or export important documents.**
General reports
Run and export reports including profit & loss, expenses, and balance sheets.*
Receipt capture
Snap photos of your receipts and categorize them on the go.**
Mileage tracking
Automatically track miles, categorize trips, and get sharable reports.**
Track sales
Accept credit cards anywhere, connect to e-commerce tools, and calculate taxes automatically.**
Contractors
Assign vendor payments to 1099 categories, see payment history, prepare and file 1099s from QuickBooks.**
Connect 1 sales channel
Connect 1 online sales channel and automatically sync with QuickBooks.
QuickBooks Essentials
Manage accounting, business money, and automate work.


$60
$30/mo
Business bank account
Open a QuickBooks Checking account for free—there’s no monthly fees or minimum balance.**
Earn 5.00% APY
Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.
NEW
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.
Payment transaction rates
Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.
Invoices
Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.
Instant deposit
Get instant access to eligible payments no matter what time of day you get paid.**
Business Network
Sync with customers, see their contact info, send invoices, and accept and track payments with ease.
Cash flow history
See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.
In-person payments
Let customers insert, tap, or use digital wallets to make in-person payments seamless.**
Recurring invoices
Automate recurring invoices and give your customers the option to set up automatic payments.
Estimates
Customize estimates, accept mobile signatures, see estimate status, and convert estimates into invoices.
Line of Credit
Apply for a flexible line of credit to get cash when you need it.
Business loan
Explore funding options with competitive rates—no hidden fees and no surprises.
Manage bills
Organize and track your business bills online.
Free guided setup
A QuickBooks expert can help you set up your chart of accounts, connect your banks, and show you best practices.
Income and expenses
Securely import transactions and organize your finances automatically.
Tax deductions
Share your books with your accountant or export important documents.**
Enhanced reports
Run and export reports including profit & loss, expenses, and balance sheets.*
Receipt capture
Snap photos of your receipts and categorize them on the go.**
Mileage tracking
Automatically track miles, categorize trips, and get sharable reports.**
Track sales
Accept credit cards anywhere, connect to e-commerce tools, and calculate taxes automatically.**
Contractors
Assign vendor payments to 1099 categories, see payment history, prepare and file 1099s from QuickBooks.**
Connect 3 sales channels
Connect up to 3 online sales channels and automatically sync with QuickBooks.
Enter time
Enter employee time by client/project and automatically add it to invoices.
QuickBooks
Plus
Manage accounting, business money, and project profitability.


$90
$45/mo
Business bank account
Open a QuickBooks Checking account for free—there’s no monthly fees or minimum balance.**
Earn 5.00% APY
Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.
NEW
Accept payments
Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.
Payment transaction rates
Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.
Invoices
Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.
Instant deposit
Get instant access to eligible payments no matter what time of day you get paid.**
Business Network
Sync with customers, see their contact info, send invoices, and accept and track payments with ease.
Cash flow history
See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.
In-person payments
Let customers insert, tap, or use digital wallets to make in-person payments seamless.**
Recurring invoices
Automate recurring invoices and give your customers the option to set up automatic payments.
Estimates
Customize estimates, accept mobile signatures, see estimate status, and convert estimates into invoices.
Line of Credit
Apply for a flexible line of credit to get cash when you need it.
Business loan
Explore funding options with competitive rates—no hidden fees and no surprises.
Manage bills
Organize and track your business bills online.
Free guided setup
A QuickBooks expert can help you set up your chart of accounts, connect your banks, and show you best practices.
Income and expenses
Securely import transactions and organize your finances automatically.
Tax deductions
Share your books with your accountant or export important documents.**
Comprehensive reports
Run and export reports including profit & loss, expenses, and balance sheets.*
Receipt capture
Snap photos of your receipts and categorize them on the go.**
Mileage tracking
Automatically track miles, categorize trips, and get sharable reports.**
Track sales
Accept credit cards anywhere, connect to e-commerce tools, and calculate taxes automatically.**
Contractors
Assign vendor payments to 1099 categories, see payment history, prepare and file 1099s from QuickBooks.**
Connect 3 sales channels
Connect up to 3 online sales channels and automatically sync with QuickBooks.
Enter time
Enter employee time by client/project and automatically add it to invoices.
Inventory
Track products, cost of goods, see what’s popular, create purchase orders, and manage vendors.
Project profitability
Track all your projects in one place, track labor costs, payroll and expenses.

Frequently asked questions