Banking
beyond expectations.

A powerful business banking platform built for where you
are and where you’re going—with lower fees, effortless
money movement, and access to working capital.

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JoinBloc is a financial technology company, not a bank.
JoinBloc deposits are FDIC-insured through Sutton Bank, Member FDIC.

Join the largest small business banking platform in the U.S. 1

  • 10+ years in business

  • 900K+ businesses helped 2

  • $1.8B+ on deposit

  • $16B business loans 2

Everything you need
to run your business.

Fully integrated business checking, lending, and invoicing—easily
accessible from one powerful platform.

Business checking that
gets you more for your money.

Take advantage of advanced money movement
options, accounts payable automation, and live
support without waiting in line at the bank.

  • 1.3% APY for eligible customers 3 with a
    Standard plan or more with an upgraded
    plan
  • No monthly fees, unlimited transactions, 4
    and free standard ACH
  • FDIC insurance up to $3M 5

Explore business checking

Business financing to
fuel your growth.

Apply for a JoinBloc Line of Credit up to
$250,000, or a business term loan up to $500,000 through our partners—all from one application. 7

  • Access competitive pricing and repayment terms
  • Apply in minutes without impacting
    your credit score 8
  • Get a decision in as fast as 24 hours

Explore business loans

Invoicing and payment
links that make it easy to
get paid.

Manage, track, and accept customer payments
directly in your JoinBloc dashboard.

  • Unlimited, free, professional invoices with
    your company logo
  • Simple, secure payment links powered by
    Stripe 9
  • Affordable, transparent pricing for
    processing credit cards and more

Explore accepting payments

Bank with confidence.

  • Two-factor authentication

    Make sure only you and your trusted team
    members can access your account.

  • Data encryption

    Keep your personal and business
    information safe with advanced encryption.

  • Text alerts

    Get alerts to your phone if we notice any
    suspicious activity or transactions. 10

See why our customers
love JoinBloc.

And why you will, too.

The connectivity made it worth it—the ability to quickly draw straight to my business checking account and make repayments directly from there. It’s seamless and I can see everything. I liked the ability to have it all in one place.”

Cayden Y.
Tech Leaf

Technology

Every month, I get a notification that I met the interest requirements, so I know that as money is coming into my account, I’m also earning interest on it.”

Tara P.
TP & Co.

Professional services

I searched far and wide to find an effective and simple business banking solution that met my business needs and I found that in JoinBloc. Their integrations and no fee structure were selling points for me.”

Logan P.
LP Creative Media

Professional services

JoinBloc’s dashboard is clean and simple, with all the features I need. And I can manage my checking accounts and bills from one place.”

Michael T.
FoodDays

Food & Beverage

Ready to apply?

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Want to learn more?
Explore our Resources and Guides .