Business Checking
No monthly fees for the first year, unlimited transactions, and multi-user access.
Business Banking
Banking that grows as fast as your business does
Business accounts, payment processing, and working capital solutions that scale with your company. Multi-user access, invoicing, and payroll built into one dashboard.
1.9MBusiness transactions processed daily
Overview
You focus on running the business. We handle the banking.
Our business accounts include multi-user access, invoicing, payroll, and lending that grows with you. Whether you are a sole proprietor or a company with 200 employees, you get the same clear process and one dedicated relationship manager.
- Multi-user access. Add team members with role controls and approval workflows.
- Accounting integrations. Connect QuickBooks, Xero, and major payroll providers.
- Next-day funding. Merchant services deposit to your account by the next business day.
- Dedicated banker. One relationship manager who knows your business and your cash flow.
Business tools
Built for owners, not just accountants
Every tool is designed to save time and reduce paperwork, so you can spend more time growing.
Merchant Services
Accept cards online and in person with next-day funding and clear processing rates.
Payroll
Run payroll from the same dashboard. Tax filings and direct deposit included.
Business Lending
Working capital, equipment financing, and lines of credit with fast decisions.
Open a Modern Bank business account today
Application takes minutes. Most accounts are approved the same day. Your dedicated banker will follow up within one business day.
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