Open a business bank account, in minutes.
A new company needs a bank account before it can do much of anything, and the usual path is a branch visit, a stack of documents, and days of waiting. Because we already have your formation documents and EIN on file, we hand a clean, verified application to a pre-vetted bank partner, so you can apply online and often be funded the same day.
A clean handoff to the right bank.
Business Banking is not a bank of our own. It is a shortcut to opening an account at one, using the information we already hold. Opening a business account usually stalls on paperwork the bank needs to verify: your formation documents, your EIN, your ownership. Because we filed those for you, we can package a complete, verified application and hand it to a pre-vetted bank partner that fits your business. You apply online, the bank already has what it needs, and you are often funded the same day instead of waiting on a branch appointment.
Everything the bank needs, ready.
The reason applications drag is missing or mismatched paperwork. We assemble the exact set a bank verifies, so the application goes through clean.
- A matched bank partner. A pre-vetted partner suited to your entity type, industry, and how you plan to use the account.
- A prefilled application. Your formation documents, EIN, and ownership details already in place, so you are not re-entering them.
- The documents the bank verifies. Articles, EIN letter, and ownership information packaged the way the bank expects to receive them.
- An online path to funded. Apply from your desk and, in many cases, have a working account the same day.
For every new company that needs an account.
Almost every business needs a dedicated bank account, both to operate and to keep the liability protection of the entity intact. This is for founders who want that account without the branch runaround.
- New LLCs and corporations that need their first business account
- Founders who would rather apply online than visit a branch
- Owners who want their entity documents and EIN handled for them
- Businesses that want a partner matched to their industry
- Businesses that have not yet formed an entity, which comes first
- Companies without an EIN, which the bank will require
- Owners who already have the banking relationship they want
- Sole proprietors who have chosen to bank personally, in some cases
A business account starts with an entity and an EIN. If you have not formed yet, form your LLC and get an EIN first, then banking is a short step.
What you need, and what you do not.
Banking is fast when the pieces line up. Here is what the partner bank looks for and how the handoff clears it.
Keeping business money in a business account is also what protects the liability shield your entity gives you. It is worth doing right from day one.
From formed to funded, in four steps.
- 1Form your entity
Your LLC or corporation is filed, giving the bank a real business to open an account for.
- 2Pick a bank partner
We match you to a pre-vetted partner that fits your entity and how you will use the account.
- 3Apply online
The application arrives prefilled and verified, so you complete it from your desk in minutes.
- 4Funded
Approval and funding often land the same day, and you are ready to operate.
We already have what the bank asks for.
The delay in opening an account is almost always the paperwork. Because we filed your entity and hold your EIN, the hardest part of the application is done before you start.
Articles and EIN packaged the way the bank verifies them, so the application clears.
A pre-vetted bank suited to your industry, not a generic sign-up form.
A verified application means approval and funding often happen the same day.
A dedicated business account is what protects the liability separation of your entity.
Everything a new company needs.
Create the entity your business account belongs to.
Explore → Step twoGet an EINThe federal tax ID every bank requires to open an account.
Explore → Keep the booksBooks & financeBookkeeping that syncs with the account you just opened.
Explore → Stay in good standingCompliance subscriptionKeep the entity behind your account compliant year-round.
Explore →Business banking, answered.
Is File.Business a bank?
No. We are not a bank. We match you to a pre-vetted, independent bank partner and hand them a verified application built from your formation documents and EIN, so the account opens faster. The account itself is with the partner bank.
What do I need before I can open an account?
A formed entity and an EIN. If you have not formed your LLC or gotten an EIN yet, those come first, and we handle both. With them in place, banking is a short step.
How fast can I actually be funded?
Often the same day. Because the application arrives prefilled and verified, the partner bank does not have to chase documents, which is what usually causes delays.
Why do I need a separate business account at all?
Mixing personal and business money can weaken the liability protection your entity provides. A dedicated business account keeps the separation clean, which matters if anyone ever challenges it.
Can you keep the books once the account is open?
Yes. Our Books & Finance service can connect to the account and keep your bookkeeping current, and the Compliance Subscription keeps the entity itself in good standing.