Business Banking
Banking that moves at the speed of your business
Operating accounts, reserves that earn, and payments that clear the same day — with approval rules enforced before a dollar leaves the building.
No monthly fees · No minimum balance · FDIC insurance eligible
Total balance
$1,284,930
Accounts
One login for everything money touches
Operating accounts
Unlimited sub-accounts so payroll, taxes, and reserves stay separated without extra paperwork.
Treasury that earns
Sweep idle cash into a yield-bearing reserve and move it back the moment you need it.
Same-day movement
Same-day ACH, domestic and international wires, and instant internal transfers.
Approvals before payment
Set thresholds by amount, vendor, or team. Anything outside policy stops for review.
Fraud controls
Positive pay, vendor allowlists, and dual authorization on outbound wires.
Credit in the same place
Draw on your Flyfill line or card directly from the account you already operate in.
Why operators switch
Legacy banks make you wait. Flyfill makes you current.
No branch appointments, no faxed forms, no five-day holds on your own deposits. Open accounts, issue cards, and set policy the same afternoon.
10 min
To open an account
4.21%
APY on reserve balances
$0
Monthly maintenance fees
$3M
FDIC coverage available
Switching
A migration that takes an afternoon
- Open your account online with an EIN and a photo ID
- Import vendors, recurring payments, and payroll details
- Point deposits and processors at your new account numbers
- Keep the old account open as long as you like — no rush
- A dedicated onboarding specialist runs the whole checklist with you
Who Flyfill banking fits
Businesses running $250K to $100M in annual revenue with real payables, a team that spends, and an owner who wants controls without a controller's headcount.
Construction & trades
Logistics & fleet
Healthcare practices
Agencies & professional services
Wholesale & distribution
FAQ
Banking questions
Is Flyfill a bank?+
Flyfill is a financial technology company and a direct lender. Banking services and FDIC insurance are provided through our chartered financial institutions.
Are there monthly fees or minimums?+
No monthly maintenance fee and no minimum balance requirement. Wires and expedited services are priced transparently.
Can I keep my existing bank?+
Yes. Many clients run Flyfill for operating spend and controls while keeping a legacy relationship in place.
How does banking connect to financing?+
Deposit history in your Flyfill account speeds underwriting and often improves the terms you're offered.
Open your Flyfill account
One short application. A dedicated advisor. Funding decisions instant to 2 hrs.