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.

Get started

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

Join the largest small business banking platform in the U.S. BVSUP-00186

  • 10+ years in business

  • 900K+ businesses helped BVSUP-00052

  • $1.8B+ on deposit

  • $16B business loans BVSUP-00052

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 BVSUP-00005 with a
    Standard plan or more with an upgraded
    plan
  • No monthly fees, unlimited transactions, BVSUP-00043
    and free standard ACH
  • FDIC insurance up to $3M BVSUP-00108

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. BVSUP-00126

  • Access competitive pricing and repayment terms
  • Apply in minutes without impacting
    your credit score BVSUP-00008
  • 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 BVSUP-00180
  • 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. BVSUP-00084

Awards and recognition.

  • Best SMB Checking Account CNBC 2025
  • Best Banking Platform
    for SMBs     Tearsheet 2023
  • Power Partner Award Inc. Magazine 2023
  • Best Free Small Business Checking Account Nerdwallet 2025
  • America’s Best Startup Employers Forbes 2023

Ready to apply?

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Want to learn more?
Explore our Resources and Guides .