# QuickBooks Business Checking Account

## Overview A QuickBooks Checking bank account offers fast payment deposits and high-yield savings, allowing you to manage and grow your money confidently. ![QuickBooks Checking Dashboard](https://quickbooks.intuit.com/oidam/intuit/sbseg/en_us/fusion/images/lending-banking-dashboard-photo-qbo-us-hero-2x.jpg)

## Key Features

### Payments Agent

- **Accelerate your payments**: Your Payments Agent learns your business and tracks inconsistent payment patterns, helping you draft reminders to get paid faster. ![Payments Agent Notification](https://quickbooks.intuit.com/oidam/intuit/sbseg/en_us/fusion/images/payments-agent-invoice-is-ready-qbo-us-en-2x.png)

### 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**: Move funds to savings envelopes and earn 3.00% APY.
- **Fewer fees, more money for your business**: Free to open—no monthly fees, overdraft fees, or minimum balances.

### Complete Banking

- **Online from start to finish**: Deposit customer payments, upload checks, and match them to invoices in real time.
- **Grow your money with 3.00% APY**: Earn on balances held across all envelopes.
- **Seamless spending power**: Use ACH and wire transfers to move money when needed.

## QuickBooks Online Benefits

- **Instant deposit at no added cost**: Eligible payments hit the bank instantly, and the 1.75% fee is waived.
- **Do bookkeeping without the busywork**: QuickBooks matches your payments and spending for you.
- **Discover all-in-one financial clarity**: Connects with other QuickBooks tools like payments, payroll, and bill pay.

## Banking Plans

### Free Plan

- **Price**: $0/mo
- **Features**: Start organizing your business finances for free.

### Solopreneur Plan

- **Price**: $10/mo (Save 50% for 3 months)
- **Features**: Bookkeeping for self-employed individuals.

### Simple Start Plan

- **Price**: $19/mo (Save 50% for 3 months)
- **Features**: Accounting for registered businesses.

### Plus Plan

- **Price**: $57.50/mo (Save 50% for 3 months)
- **Features**: Manage accounting, business money, and project profitability.

## Frequently Asked Questions

### Do I need a QuickBooks account to use QuickBooks Checking? You’ll need a QuickBooks Online account and approval for online payments to use QuickBooks Checking. Banking services are provided by Green Dot Bank.

### Is a QuickBooks Checking account FDIC insured? Yes, deposits are insured up to $250,000. The account includes a deposit sweep feature, increasing FDIC insurance coverage up to $5 million.

### How do I get money into my QuickBooks Checking account?

- **Get paid through QuickBooks**: Select your QuickBooks Checking account as the deposit account.
- **Move money from existing banks**: Add routing and account numbers to transfer money.
- **Deposit a check through the mobile app**: No cost.
- **Deposit cash at a retail store counter**: Fees may apply.
- **Accept wire transfers**: No cost.

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

- **Spend money with your debit card**: Use your physical or virtual card.
- **Withdraw cash at an ATM**: 4 free withdrawals at over 19,000 AllPoint ATMs.
- **Make a bank transfer (ACH)**: Move money to a connected external bank for no fee.
- **Transfer money instantly**: 1.5% fee for instant transfers.

## Additional Resources

- [Business checking vs. personal checking](https://quickbooks.intuit.com/r/banking/personal-vs-business-bank-account/)
- [How to open a business bank account](https://quickbooks.intuit.com/r/banking/open-business-bank-account/)

# QuickBooks Banking Information

### Annual Percentage Yield (APY)

- **APY Calculation**: You will earn 3.00% APY on the average daily available balances distributed across your envelopes. The APY is distributed proportionally based on the percentage of your total envelope balances.

### Opening a Business Checking Account

- **Process**: Sign up for QuickBooks Online and apply for payments and banking. Approval can be obtained in a few minutes without the need for an employer identification number or credit check.

### Benefits of a Business Bank Account

- **Legal Protections**: Business accounts offer more legal protections than personal accounts.
- **Financial Management**: Helps in separating personal and business finances, monitoring spending, and creating realistic budgets.
- **Access to Credit**: Easier to obtain business loans, lines of credit, or business credit cards.

## Articles

### Business Checking vs. Personal Checking

- **Overview**: Learn the differences between personal and business bank accounts, the benefits of opening a business account, and how to go about it.
- **Read More**: [Business checking vs. personal checking](https://quickbooks.intuit.com/r/banking/personal-vs-business-bank-account/)

### How to Open a Business Bank Account

- **Overview**: Explore different types of business bank accounts, their requirements, what to look for, and the benefits to your business.
- **Read More**: [How to open a business bank account](https://quickbooks.intuit.com/r/banking/open-business-bank-account/)

## Financial Growth

### Watch Your Money Grow

- **APY Offer**: Earn competitive APY with savings envelopes—40x the U.S. average.
- **See Plans**: [See plans](https://quickbooks.intuit.com/money/see-plans/)

## Navigation

### Products

| Title | Link |
| --- | --- |
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| QuickBooks Capital | [Link](https://quickbooks.intuit.com/business-banking/loans/) |
| Checks & supplies | [Link](https://intuitmarket.intuit.com/) |
| QuickBooks Desktop | [Link](https://quickbooks.intuit.com/desktop/) |
| QuickBooks Enterprise | [Link](https://quickbooks.intuit.com/desktop/enterprise/) |
| QuickBooks Essentials | [Link](https://quickbooks.intuit.com/online/essentials/) |
| Bookkeeper services | [Link](https://quickbooks.intuit.com/live/) |
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### Features

| Title | Link |
| --- | --- |
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| Financial reporting | [Link](https://quickbooks.intuit.com/accounting/reporting/) |
| Bill management | [Link](https://quickbooks.intuit.com/accounting/manage-bills/) |
| Bookkeeping | [Link](https://quickbooks.intuit.com/accounting/) |
| Cash flow management | [Link](https://quickbooks.intuit.com/money/cash-flow-management/) |
| Cloud accounting | [Link](https://quickbooks.intuit.com/accounting/cloud-accounting/) |
| Direct deposit | [Link](https://quickbooks.intuit.com/payroll/direct-deposit/) |
| Employee timesheets | [Link](https://quickbooks.intuit.com/time-tracking/time-overview/) |
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| Tracking expenses | [Link](https://quickbooks.intuit.com/accounting/track-expenses/) |
| Inventory management | [Link](https://quickbooks.intuit.com/accounting/inventory/) |
| Invoicing software | [Link](https://quickbooks.intuit.com/accounting/invoicing/) |
| Mileage tracker | [Link](https://quickbooks.intuit.com/accounting/mileage/) |
| Business checking account | [Link](https://quickbooks.intuit.com/payments/quickbooks-checking/) |
| QuickBooks Integrations | [Link](https://quickbooks.intuit.com/online/integrations/) |
| Sales tax software | [Link](https://quickbooks.intuit.com/accounting/sales-tax/) |
| Tax deductions | [Link](https://quickbooks.intuit.com/accounting/tax-deductions/) |
| Multiple users | [Link](https://quickbooks.intuit.com/accounting/multiple-users/) |
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| Invoice templates | [Link](https://quickbooks.intuit.com/payments/invoicing/templates/) |
| Payments cost calculator | [Link](https://quickbooks.intuit.com/payments/cost-calculator/) |
| Paycheck calculator | [Link](https://quickbooks.intuit.com/payroll/paycheck-calculator/) |
| Sales tax calculator | [Link](https://quickbooks.intuit.com/accounting/sales-tax/calculator/) |
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| --- | --- |
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### More from Intuit

| Title | Link |
| --- | --- |
| TurboTax Online 2025-2026 | [Link](https://turbotax.intuit.com/personal-taxes/online/) |
| TurboTax Login | [Link](https://myturbotax.intuit.com/) |
| File taxes online | [Link](https://turbotax.intuit.com/) |
| Free tax filing | [Link](https://turbotax.intuit.com/personal-taxes/online/free-edition.jsp) |
| Free tax calculator | [Link](https://turbotax.intuit.com/tax-tools/calculators/taxcaster/) |
| Find a local tax expert | [Link](https://turbotax.intuit.com/local-tax-experts/how-it-works/) |