Business Checking
Overview
Business Checking
A powerful account built for
small business—earn
high-yield interest, save on fees, and never go to the bank again.
Learn more
about Business Checking
Features & benefits
No monthly fees
No monthly or overdraft fees, plus free standard ACH transfers.
Bill pay
All the payment options you need to send money effortlessly.
High APY on checking
Earn 18x the national average
‡
or more with an upgraded plan.
Accounts payable
Save time on bill management and automate your payments.
Sub-accounts
Easily manage budgets using multiple accounts.
International payments
Send and receive money globally in as fast as 24 hours.
Physical and virtual debit cards
Issue debit cards with spending limits to your team.
Accept customer payments
Get paid online or in person with invoicing, Tap to Pay, and more.
Explore all features
See plans and pricing
New this month:
More control, more clarity, and less friction across how you do business.
Check out our latest product updates
Business Loans
Overview
Business Loans
Financing tailored to your business needs, with a quick and easy application process.
Learn more
about Business Loans
Products
Line of Credit
Get ongoing access to the working capital you need to grow, with a JoinBloc Line of Credit up to $250K and competitive rates.
Term Loan
Access a lump sum of up to $500K
◊
from our lending partners, with predictable repayment terms up to 24 months.
SBA Loan
Get connected to lenders to help you access SBA 7(a) loans up to $350K.
Small business owner’s guide to building and using business credit.
Read guide
Accept Payments
Overview
Accept Payments
Get paid your way—online or in person with invoicing, Tap to Pay, ACH, wire, and more.
Learn more
about Accept Payments
Ways to get paid
New
Estimates
Align on project scope then instantly convert estimates to invoices.
Tap to Pay
Accept in-person payments right from your phone.
Invoicing
Create and send unlimited invoices from your dashboard, for free.
ACH, wires, and checks
Receive ACH, wires, and checks directly to your JoinBloc account.
Payment links
Easily create and send secure payment links to get paid faster.
International payments
Receive global payments in as fast as 24 hours.
New
Share professional estimates to align on project cost before work begins.
See how it works
Solutions
Business Type
Partners
Self-employed
Save time and money with integrated business tools and no monthly fees.
Small business
Earn interest, collaborate with your team, and move money effortlessly.
Startups
Scale faster with high APY, built-in AP automation, and access to credit.
Partners
Accounting firms
Get secure tools for your firm and better banking for clients.
Accountant directory
Help set your practice up for growth by being listed in our accountant directory.
See why business owners like you love JoinBloc.
Read reviews
Resources
Support
Help Center
Explore comprehensive guides and get step-by-step support to quickly find the help you need to manage your account.
Explore Help Center
More small business resources
FAQs
Get quick answers to common questions about all things JoinBloc.
Blog
Read our latest articles, tips, and resources for small businesses.
Security and Protection
Learn how we safeguard your account and what you can do to stay protected.
Accountant Directory
Need accounting help? Find a professional on JoinBloc’s Accountant Partner directory.
Explore our all-in-one banking and lending platform and find out how to get started with JoinBloc
Get started
with business checking and loans
Company
Overview
About us
Through innovative banking solutions, we empower growing businesses to thrive—today and tomorrow.
Learn more
Explore
Careers
View our open roles, get to know our values, and learn about employee benefits.
Press
Discover what’s new at JoinBloc with our latest news and announcements.
Partners
Work with us to offer best-in-class financial solutions to your small business clients.
Get started
Help Center
Getting Started
Getting Started
Learn how to apply for business checking and loans and explore the app.
Getting Started
Business Checking
Business Loans
Sending Payments
Accepting Payments
Security & Access
Applying for a Business Checking Account
Applying for a Line of Credit
About JoinBloc
Your JoinBloc Mobile App
Deposits and Funding
Account Features and Limits
Debit Cards and Spend Controls
Account Management and Navigation
Documents and Statements
Setting up your account
Earning Interest
Maintaining Your Line of Credit
Your Bank Connection
Your Business Lending Account Documents
Your Business Lending Payments
Your Business Lending Dashboard
ACH, Wires, and International Payments
Sending Checks
Manage your payments
Depositing checks
Wires and International Payments
Payment processing via Stripe
Payment links
Invoicing and Estimates
Tap to pay
Your Account Security
Fraud and Disputes
Select a category
Select a category
Getting Started
Business Checking
Business Loans
Sending Payments
Accepting Payments
Security & Access
Applying for a Business Checking Account
Applying for a Business Checking Account
Guide: Everything you need to apply for a Business Checking Account
Guide: Upgrade your checking plan to earn and save more
How do I verify my business registration?
How do I apply for a JoinBloc Business Checking Account?
How do I verify my business address?
Guide: Everything you need to apply for a Business Checking Account
Guide: Upgrade your checking plan to earn and save more
How do I verify my business registration?
How do I apply for a JoinBloc Business Checking Account?
How do I verify my business address?
Applying for a Line of Credit
Applying for a Line of Credit
Guide: Everything you need to apply for a line of credit
Guide: Use a line of credit to boost your business
Am I potentially eligible for a JoinBloc Line of Credit?
What are the JoinBloc Line of Credit repayment plans and their requirements?
What credit line ranges does JoinBloc offer?
What are some of the pricing and terms for a credit line?
Guide: Everything you need to apply for a line of credit
Guide: Use a line of credit to boost your business
Am I potentially eligible for a JoinBloc Line of Credit?
What are the JoinBloc Line of Credit repayment plans and their requirements?
What credit line ranges does JoinBloc offer?
What are some of the pricing and terms for a credit line?
About JoinBloc
About JoinBloc
Learn about JoinBloc
What sets JoinBloc apart?
Which holidays does JoinBloc observe?
Can I become a partner with JoinBloc?
How do I interact with JoinBloc Virtual Assistant?
Learn about JoinBloc
What sets JoinBloc apart?
Which holidays does JoinBloc observe?
Can I become a partner with JoinBloc?
How do I interact with JoinBloc Virtual Assistant?
Your JoinBloc Mobile App
Your JoinBloc Mobile App
How do I navigate my JoinBloc mobile app on an Apple device?
How do I navigate my JoinBloc mobile app on an Android device?
Is my mobile operating system compatible with the JoinBloc app?
How do I navigate my JoinBloc mobile app on an Apple device?
How do I navigate my JoinBloc mobile app on an Android device?
Is my mobile operating system compatible with the JoinBloc app?