Get 70% off QuickBooks
for 3 months. 

Ends May 31st. 

Explore better money management for small businesses with QuickBooks Money

Small businesses have to leap a lot of hurdles on the road to success — getting paid shouldn’t be one of them. But getting paid is often the biggest challenge small businesses face. Unpaid and overdue invoices cause cash flow problems that can stop a small business in its tracks. For many, just one missed or late payment can be the difference between paying bills and vendors on time or scrambling to make ends meet.  

What’s more, new small businesses might rely on personal bank accounts to organize their business finances in an effort to avoid the monthly banking fees and balance minimums that often come with traditional business bank accounts. But mixing business and personal finances makes it difficult to stay organized and see the bigger financial picture. 

Introducing QuickBooks Money, a new all-in-one payments and banking solution that’s free to open, with no monthly fees or minimum balance requirements, giving small businesses control of their money from anywhere.

Until now, managing payments, money, and cash flow has been a juggling act — making it easy for transactions, bills, and opportunities to fall through the cracks. QuickBooks Money takes all those plates you have in the air and combines them into one financial platter. With QuickBooks Money, you get a QuickBooks Checking business bank account that enables you to send invoices, accept payments, earn competitive annual percentage yield (APY), and manage your money all in one place — all without a subscription.   

QuickBooks Money is designed to help small businesses like yours leap the getting paid hurdle, organize your business finances with an easy-to-use and free to open business bank account, and make smarter financial decisions. It’s a money management tool built with your business in mind. 

What is QuickBooks Money?

QuickBooks Money is a money tool that’s right for your small business. Simplify the way you do business — take payments, manage money with a business bank account, and get cash flow insights all in one place. 

Features of QuickBooks Money

Business checking account: You get a QuickBooks Checking business bank account that’s free to open — with no monthly fees, no minimum balances, and no overdraft fees. Manage money, transfer funds, and make purchases with a debit card. Use envelopes to budget, organize, and grow your money with 5.00% APY. Once approved, you can also use mobile check deposit to deposit checks you receive from your customers, without going to a bank.

Get paid: Give customers flexible ways to pay with instantly payable invoices that get paid 4x faster than paper invoices.¹ Payments go straight to your business bank account, so you always know where your money is. QuickBooks Money helps keep your digital payments in one place, so managing your business finances is easier than ever. Download sales tax reports from invoices that were paid and see all your transactions in one place, making tax filing a breeze.

Manage cash flow: Rest easy with real-time insights. See money come in and out over time from your banking and payments transactions, so you can make smart business decisions. 

Better money management with QuickBooks

With QuickBooks, you have access to the tools you need to manage your business finances — from getting paid to paying bills and managing your books. No matter where you are in your business journey, QuickBooks can help you move, manage, and grow your money. 

You don’t need a QuickBooks Online accounting subscription to use QuickBooks Money. It offers a free-to-open business bank account, lets you send professional invoices, accept payments, earn competitive APYs, and manage your business finances. QuickBooks Money is built to simplify your money management and help you get paid faster. 

To manage money and accounting in one place, add a QuickBooks Online subscription. This gives you access to QuickBooks accounting tools like automatic transaction matching and cash flow projections. If you already use QuickBooks Online, you already have access to money management features. Explore our plans to find a subscription that’s right for your business.

A bank account with no monthly fees and competitive APY 

With QuickBooks Money, you can easily manage all your business finances in one place. QuickBooks Money includes a QuickBooks Checking account for free — no monthly fees, overdraft fees, or minimum balances. Your QuickBooks Checking account comes with a debit card that allows you to spend from your account balance and pull money out at over 19,000 AllPoint ATMs. 

Use envelopes to set aside money for planned or unexpected expenses, budget, and grow your money with 5.00% APY. Access your money sooner with same day payments deposits to your QuickBooks Checking account. Eligible payments land in your bank account the same day — nights, weekends, and holidays — so you get the money you need in minutes, not days.

Invoice your customers and get paid faster

On average, 2 in 3 small businesses have unpaid invoices. Another 1 in 4 small businesses have 20% or more invoices overdue by 30+ days. With pay-enabled invoices from QuickBooks Money, you can get paid 4x faster than paper invoices.

Send instantly payable invoices that include due dates, products, services, and more. Add sales tax automatically so you can simplify taxes when the time comes. Request payments with a link and let customers choose a convenient way to pay. Track the status of your invoices and easily send payment reminders. 

Accept all kinds of payments – anytime, anywhere

Send a personalized invoice or quick payment request and let customers choose a payment method that’s convenient for them — QuickBooks accepts PayPal, Venmo, Apple Pay, credit, debit, or ACH bank payments. Track your payments in one place, so you never have to wonder where your money is. 

Stay in control of your cash flow

Cash flow is the lifeblood of every small business, and yet nearly half of small businesses say they experience cash flow problems. Keeping a close eye on your cash flow can help. 

Know where you stand with the cash flow chart in QuickBooks Money. Upgrade to a QuickBooks Online subscription to access the cash flow planner and forecast money in and money out up to 90 days in advance. See cash flow trends over time, so you can make informed money decisions. Plus, see all your business balances on one dashboard and get predictive insights and recommendations.

See how you can use QuickBooks Money to manage your payments and banking.

You're never too small to feel more stable

With market-leading APY, no monthly fees, and seamless payments—QuickBooks Money works harder for those who work for themselves.**

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

QuickBooks Money: QuickBooks Money is a standalone Intuit offering that includes QuickBooks Payments and QuickBooks Checking. Intuit accounts are subject to eligibility criteria, credit, and application approval. Banking services provided by and the QuickBooks Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. QuickBooks Checking Deposit Account Agreement applies. Banking services and debit card opening are subject to identity verification and approval by Green Dot Bank. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit No subscription cost or monthly fees. Other fees and limits, including transaction-based fees, apply.

Industry-leading Annual Percentage Yield (APY): Competitive rate information based on publicly available data for small business checking accounts provided by the largest national and online banks as of September 18, 2023. APYs are subject to change at any time.

No minimum balances or monthly fees: There are no minimum balance requirements to open or maintain this account or obtain the listed APY. Other fees and limits apply. See Deposit Account Agreement for details.

Envelopes: You can create up to 9 Envelopes within your primary QuickBooks Checking account. Money in Envelopes must be moved to the available balance in your primary QuickBooks Checking account before it can be used. Envelopes within your primary QuickBooks Checking account will automatically earn interest once created. At the close of each statement cycle, the interest earned on funds in your Envelopes will be credited to each Envelope in proportion to the average daily balance of each Envelope. See Deposit Account Agreement for terms and conditions.

Same Day Deposit: Same Day Deposit allows you to have near-real time deposits sent to you on a predetermined daily schedule (up to 3x a day, Monday through Sunday, including holidays). Subject to eligibility criteria, eligible deposits will be available in up to 30 minutes. Payment request fees apply for ACH and card transactions. Transactions between 2:15-3:00 pm PST are excluded and transactions after 9:00 pm PST will be available for deposit the following morning. Deposit times may vary for third party delays.

Mobile Remote Deposit Capture: Limited availability to existing customers on iOS and Android. Features may be more broadly available soon, but represents no obligation and should not be relied on in making a purchasing decision. Mobile deposits may take up to 5 business days. Limits on the dollar amount(s) and/or number of checks that may be deposited may apply. QuickBooks Checking account's Deposit Account Agreement applies.

Terms, conditions, pricing, special features, and service and support options for QuickBooks products and services, including but not limited to QuickBooks Payments and Same Day Deposit are subject to change without notice.

# Claims

1. “Get paid 4x faster”:  'Four times faster’ based on U.S. customers using QuickBooks Online invoice tracking and payment features, compared to customers not using these features, from Aug 2022 to Jul 2023

Recommended for you

Mail icon
Get the latest to your inbox
No Thanks

Get the latest to your inbox

Relevant resources to help start, run, and grow your business.

By clicking “Submit,” you agree to permit Intuit to contact you regarding QuickBooks and have read and acknowledge our Privacy Statement.

Thanks for subscribing.

Fresh business resources are headed your way!

Looking for something else?


From big jobs to small tasks, we've got your business covered.

Firm of the Future

Topical articles and news from top pros and Intuit product experts.

QuickBooks Support

Get help with QuickBooks. Find articles, video tutorials, and more.