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Business Banking · Run

Every account, every entity, one control center.

Opening a business account means re-proving your company to a bank that's never seen it, then watching your money scatter across logins the moment it's open. File.Business hands the bank a pre-verified application built from your own records, and then keeps every account, balance, and transaction in one live view.

Pre-vetted bank partners Often same-day approval FDIC-insured accounts
Live product

Your finances, the moment they move.

This is the dashboard you'd see after opening an account, total cash across every entity, and a transaction feed that categorizes itself as money moves. Watch it run.

control-center live
Total cash · all entities
$0
▲ 18.4% vs last quarter · updated live
Q1Q2Q3Q4
AC Acme LLC · ••4821$212,940
BH Beacon Holdings · ••7043$188,110
NW Northwind · ••1195$85,154
Transaction feedauto-categorized
Every transaction tagged and posted to Books & Finance automatically. 0 categorized today
Why it exists

The account is easy. Everything around it isn't.

Getting a business bank account should be the simplest thing a new company does. In practice it's one of the most frustrating: the bank has never heard of your LLC, so it re-verifies your formation documents, your EIN, your operating agreement, and your ownership from scratch, and a missing initial or a mismatched name sends you back to the start.

Then the account opens, and a different problem begins. Your money lives in a login that doesn't talk to your bookkeeping, your other entities each have their own bank, and answering "how much cash do we actually have?" means adding up three tabs. For anyone running more than one company, that's a spreadsheet no one keeps current.

Business Banking solves both ends. We match you to a pre-vetted partner bank and hand it an application already verified against the records we hold, so approval is fast and clean. Once it's open, every account rolls up into one control center that feeds your books and your multi-entity dashboard without a single manual export.

How the account opens

A pre-verified application, not a fresh interrogation.

Because File.Business already holds your verified company records, the bank receives a complete, consistent packet, the reason approvals land in hours instead of weeks.

1
We assemble the packetYour Articles, EIN letter, operating agreement, ownership, and ID are pulled straight from your account, no re-uploading what we already verified.
2
We match you to the right bankFrom our pre-vetted partners, based on your entity, state, and how you operate, solo LLC and multi-state company aren't the same fit.
3
The bank approves, often same dayA complete, consistent application means the bank isn't chasing documents, which is what usually stalls an opening.
4
The account joins your control centerBalances, cards, and transactions appear in one live view and flow into your books from the first deposit.
Once it's open

A control center, not just a checking account.

One view of all cashEvery entity's balance in a single number, updated live. Answer "how much do we have?" without opening three banks.
Auto-categorized spendEach transaction is tagged as it posts and flows into your books, so month-end is already reconciled, not a scramble.
Cards with real limitsIssue cards per person or project with limits you set, and see every charge land in the same feed instantly.
Clean separation, kept cleanBusiness money stays fully separate from personal, protecting the liability shield your entity gives you.
Multi-entity by designAdd a company and its account joins the same dashboard, using records we've already verified.
Books, tax, payroll, connectedThe account feeds bookkeeping, tax prep, and payroll, so the money and the paperwork never drift apart.
FAQ

Business banking, answered.

Is File.Business a bank?
No, we're not a bank. We match you to a pre-vetted, independent partner bank and hand them a verified application built from your formation documents and EIN, so the account opens faster. The account itself is with the FDIC-insured partner bank; File.Business is the control center that sits on top of it.
What do I need before I can open an account?
A formed entity and an EIN. If you haven't formed your LLC or gotten an EIN yet, those come first, and we handle both. With them in place, banking is a short step, because the documents the bank needs are already in your vault.
Which bank will I be matched with?
One of our pre-vetted partner banks, chosen to fit your entity type, state, and how you plan to operate, a solo LLC and a multi-state company aren't always best served by the same bank. Each partner is screened for FDIC-insured accounts, clean fee structures, and solid digital tools, so the match is about fit rather than placement. You see the recommended option before anything opens.
Can non-US founders open an account?
In many cases, yes, a US LLC and EIN are the foundation, and we point international founders to partners that work with non-resident owners. Requirements vary by bank and country, so we flag what a given partner needs up front rather than after a rejected application. Pairing it with Identity Privacy also keeps a home address abroad off the paperwork.
Why do I need a separate business account at all?
Mixing personal and business money can weaken the liability protection your entity provides, "commingling" is one of the first things challenged if someone tries to pierce the corporate veil. A dedicated account keeps that separation clean, makes bookkeeping and taxes dramatically simpler, and is usually required before you can take card payments or a business loan. It's the practical difference between having an entity on paper and running one properly.
Can you keep the books once the account is open?
Yes. Our Books & Finance service connects directly to the account and keeps your bookkeeping current, categorized, reconciled, and report-ready, while the Compliance Subscription keeps the entity itself in good standing. Because it's one platform, the account you open here flows straight into your books without a separate integration to set up.
What about multiple entities or accounts?
If you run several companies, each gets its own account and its own clean separation, and you see them all together in the Multi-Entity Dashboard instead of logging into a different bank per company. Adding a new entity's account reuses the verified information we already hold, so the second and third open faster than the first.

Put every account in one control center.

Open a business account with a pre-verified application, then watch your cash, cards, and transactions land in a single live view.

Pre-vetted partners Often same-day approval FDIC-insured
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