The business bank that moves at your speed.
Vault gives small businesses a checking account, cards, and cash-flow tools in one place \u2014 with no monthly fees and no branch lines.
FDIC insured up to $250,000 through our partner bank
Our promises to you
We're new \u2014 so we lead with what we'll never do.
FDIC insurance up to $250K
Your deposits are held with our member-FDIC partner bank. Your money is protected, full stop.
No surprise fees, ever
No monthly minimums, no overdraft traps, no hidden wire markups. The price you see is the price you pay.
Real humans, fast answers
Talk to a person who understands small business, not a phone tree. Average first reply under 10 minutes.
Everything in one account
Run your money without the busywork.
Free checking with unlimited cards
Open a business checking account in minutes and issue physical and virtual debit cards for your whole team. Set spend limits, freeze a card instantly, and track every dollar in real time.
$0
monthly fee
1.5%
cash back on cards
10 min
to get approved
Cash-flow at a glance
See runway, upcoming bills, and money in vs. out on one clean dashboard.
Bookkeeping that syncs itself
Auto-categorized transactions flow straight into QuickBooks, Xero, and Stripe.
Flat pricing that scales with you
Start free. Upgrade when your business does. No per-transaction surprises.
Founder
For new and solo businesses
$0/month
- Business checking account
- 2 debit cards
- Free ACH transfers
- Cash-flow dashboard
Growth
For growing teams
$29/month
- Everything in Founder
- Unlimited debit cards
- Same-day ACH & wires
- Accounting integrations
- Spend limits & approvals
Scale
For established companies
$99/month
- Everything in Growth
- Multi-entity accounts
- Dedicated account manager
- Higher transfer limits
- Treasury & savings tools
- Priority phone support
Questions, answered
Everything you need to know before you open a Vault account.
Your business deserves a better bank.
Open your Vault account in about ten minutes \u2014 no fees, no branch, no nonsense.