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Modern, high-yield business banking
Earn 2.25% APY¹ on your operating cash—32x the national average of 0.07%—and up to 3.55%² on idle cash. Open an account in minutes.
Rippling is a fintech company, not a bank or FDIC-insured depository institution. Checking Accounts and banking services provided by Column N.A., Member FDIC. Securities products and brokerage services are provided by Apex Clearing Corporation, an SEC registered broker dealer, member of FINRA & SIPC. The Investment Account is not a deposit product, not insured by the FDIC, and may lose value.
High-yield banking
Earn up to 32x more interest on your operating cash
Earn 2.25% APY¹ on cash in your Checking Account—32x the national average. On $500K, that’s roughly $11,250/year in interest instead of ~$350. And for idle cash, your Investment Account earns up to 3.55%².
2.25%
Checking Account
APY3.55%
Investment Account
Variable Yield
Insurance and controls
$200M in FDIC coverage.³ Enterprise‑grade controls.
- Enterprise-Grade Security
- Custom Approval Workflows
- Granular Permissions
- 24/7 Customer Support
- Audit Trails
- Single Sign-On
Get up to $200M in FDIC-insured checking deposit coverage—800x the industry standard of $250,000. A much better place to park your cash.
Unlock same-day payroll
Run payroll and pay people the same day⁵—no more having to constantly plan ahead or lock up your funds days before payroll is due. Business Banking is integrated with Rippling Payroll, eliminating the typical 2–4 day ACH delay.
Run payroll on your schedule
Domestic employees get paid the same day you run payroll, so you don’t have to constantly plan your payroll days before it’s due.
Make changes right up to payday⁵
A longer window means fewer things get pushed to the next pay run or handled off-cycle, like spot bonuses and paycheck adjustments.
Correct payroll errors same day
Catch a mistake or forget to add something? Now you can fix it and make employees whole right away.
Everything you need to manage your money, from $10K to $100M+
Mobile Business Banking
Manage your accounts, review transactions, and move money from your phone—no desktop required.
Free Checking & Investment Accounts
There is no minimum balance requirement, no account opening fee, and no transfer caps or transaction limits.
Free ACH & Domestic Wires
Get free ACH, domestic wires, and checks.**
Corporate Cards
Get physical and virtual corporate cards the day you set up your account, pending credit approval⁴
Multi-Business Management
Easily manage all your money across multiple subsidiaries from one dashboard.
Direct ERP Integrations
Transfers and deposits sync with your ERP and get automatically categorized to the right GL accounts.
Already have a bank account?
Keep it. You can use Business Banking alongside your current bank, then consolidate later if it makes sense. Either way, you get same-day payroll and earn more on your cash.
Don't have a bank account yet?
Rippling makes it easy for businesses to set up their first bank account¹ and earn industry-leading interest rates. You can set up a free account in less than 10 minutes.
Rippling Finance
More than just banking. Your all-in-one Finance platform.
Start with what you need. Add the rest when you're ready.
FAQs
What is Business Banking?
Business Banking consists of two accounts built directly into the Rippling platform: a Checking Account¹ and an Investment Account. The checking account offers 2.25% APY¹ on operating cash and enables same-day payroll without lengthy ACH transfers. With the investment account, you can earn as much as 3.50%² yield on idle cash via a JPMorgan U.S. Treasury Plus Money Market Fund.
How can payroll run faster with Business Banking?
Business Banking uses real-time payment rails (RTP) and same-day ACH to move funds for payroll faster than traditional ACH processing, helping eligible U.S. businesses run payroll and pay domestic employees on the same day⁵.
How much interest can I earn on the Checking Account?
The Checking Account pays 2.25% APY¹ on operating cash, compared to 0% at many fintech providers and near-zero rates at traditional banks.
What is the Investment Account and how much do I earn?
The Investment Account is a brokerage account accessible through the Rippling platform. It enables you to transfer eligible cash balances from your Checking Account into a JPMorgan Chase money market fund (MMF) currently offering up to a 3.50%² 7-day yield.
How much FDIC insurance coverage does the Checking Account provide?
The Checking Account offers up to $200 million in FDIC insurance³ through a sweep network, significantly higher than the standard $250,000 limit at most banks.
How is Business Banking different from other banking platforms?
Business Banking combines banking and payroll in a single workflow, helping eligible U.S. businesses run same-day payroll without the manual prefunding steps common with many business banking and spend management platforms. It also offers competitive yield on operating cash¹ and expanded FDIC insurance coverage³ for the Checking Account.
Can I manage cards and expenses with Business Banking?
Yes. Business Banking connects seamlessly with Rippling Corporate Cards, allowing instant paydowns, unified permissions, and a single audit trail across banking, cards, and expenses.
How is Business Banking different from other business bank accounts?
Business Banking stands out as the only business bank account¹ with built-in same-day payroll, enabled by a shared platform with payroll. Business Banking includes a Checking Account that pays 2.25% APY¹ on operating cash, offers up to $200M in FDIC coverage³, and includes access to cards⁴, expenses, and HR tools all within Rippling's platform.
Can Business Banking help streamline payroll and expenses?
Yes, but most banks require separate tools and manual transfers. Business Banking connects banking¹, payroll, cards, and expenses in one system, enabling same-day payroll, instant card paydowns, and real-time visibility without switching between platforms.
Get started
Open your account in minutes
Have questions before you begin? Contact sales.
1. Rippling is a fintech company, not a bank or FDIC-insured depository institution. Checking Accounts and banking services provided by Column N.A., Member FDIC. The Annual Percentage Yield (APY) as advertised is accurate as of June 21, 2026 Interest rate and APY are subject to change at any time before and after the Checking Account is opened. Earnings compared and calculated based on the national average rate on interest checking accounts of .07% published by the FDIC as of 05/18/26.
2. Rippling's provision of access to securities products and brokerage services are offered by Apex Clearing Corporation. Apex Clearing Corporation is an SEC registered broker dealer, member of FINRA and SIPC, and is licensed in 53 states and territories. FINRA BrokerCheck reports for Apex Clearing Corporation are available at BrokerCheck. Yield rate fluctuates and applies only to invested cash. Past performance does not guarantee future results. Market data provided by and copyright © 2026 JPMorgan Chase & Co. All rights reserved. The Investment Account is not a deposit product, not insured by the FDIC, and may lose value. This is not an offer, solicitation, or recommendation to buy or sell any security. Rippling is not an investment advisor or broker-dealer and does not evaluate whether an investment in the fund is appropriate for you. You are making a self-directed decision regarding your investment activities. Before investing, carefully consider the fund's investment objectives, risks, charges, and expenses in the fund's prospectus here. Yield rate shown is JPMorgan U.S. Treasury Plus Money Market Fund (IJTXX)'s current 7-day effective annualized rate as of June 21, 2026. Market data provided by and copyright © 2026 JPMorgan Chase & Co. All rights reserved.
3. Deposits in Checking Accounts are FDIC-insured through Column, N.A., Member FDIC and Column's Sweep Program Network Banks. FDIC deposit insurance covers the failure of an insured depository institution. Certain conditions must be satisfied for pass-through FDIC insurance to apply.
4. The Rippling Corporate Card is issued by Fifth Third Bank, N.A. Member FDIC, or Celtic Bank, subject to approval. Cards are issued pursuant to a license from Visa® U.S.A. Inc. Visa is a trademark owned by Visa International Service Association and used under license. All trademarks are the property of their respective owners. Rippling Payments, Inc.'s (NMLS No. 1931820) California loans made or arranged pursuant to a California Financing Law License.
5. Run same-day payroll for domestic employees right up to payday, as long as you approve the payrun by 1PM ET. Weekends and holidays excluded.
**ACH and check returns incur fees.