Open a Lendio business checking account

Easily manage your finances—and get valuable insights along the way, all in Lendio’s mobile app.


Lendio is a financial technology company and is not a bank. Banking services provided by Thread, Member FDIC. The Lendio Visa® Debit Card is issued by Thread pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Ready for a better business checking account?

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No annual fees or minimum balance
It’s simple, convenient, secure—and works like any other checking account
Ideal for sole proprietors and other small-business startups
Lets you easily make, accept and manage payments online
Keeps your personal and business spending separate
Help increase your chances of qualifying for business capital over a personal bank account.

Lendio is a financial technology company and is not a bank. Banking services provided by Thread, Member FDIC. The Lendio Visa® Debit Card is issued by Thread pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Lendio’s business checking account and app empowers you to make better financial decisions.

Enjoy robust banking tools and everything your local bank has, plus some perks!


Physical & mobile wallet debit card
Mobile check deposit

Easily transfer funds between accounts
Daily reports with insights on spending

Plus…

Access multiple small business lenders through Lendio’s marketplace
No minimum balance requirement or fees

Improve your business’s ability to qualify for financing*
Auto-categorized business expenses to simplify tax season

*In Aug, 2022, 33% of SMBS applying for financing through Lendio were denied because they did not have a business checking account.


Lendio Business Checking Account FAQs

Lendio is your one-stop resource for all things related to small-business finance, from online banking to small-business financing.

You’ll need all the usual documents one would need to qualify for a business checking account, such as:

  • Your business’s Employer Identification (EIN) number
  • Basic contact information for your business
  • Any relevant registration certificates, business licenses and articles of incorporation
  • The business owner’s personal identification

That’s it! Download the mobile app to open an account.

Yes. At this time, your business must be based in the United States to open a Lendio business checking account.

Your funds will be securely stored in a digital-deposit account. Lendio’s banking services are provided by Thread—a fully compliant, FDIC-insured bank.

Absolutely. Your checking account funds are insured up to the $250,000 FDIC limit. Read more about FDIC insurance.

After you open your Lendio business checking account, we’ll begin processing your Lendio Visa® Debit Card, issued by Thread. We will mail it out within two days of opening your new Checking Account, but it can take 5-10 days for your card to arrive at your address. If for any reason you don’t receive your card within 2 weeks of opening your account, contact Lendio at [email protected]

You can make no-fee withdrawals at any of the 40,000+ Allpoint ATMs within the US.

A Lendio business checking account has no monthly fees. No transaction fees. No minimum balance fees. No overdraft fees. And you’ll have no ATM fees if you use an ATM machine within the Allpoint ATM Network. However, you will be charged a $2.50 fee for using an ATM machine or making an over-the-counter withdrawal outside of the Allpoint ATM network.

Also please keep in mind that some third-party services like those used for wire transfers and out-of-network ATMs may charge their own fees to your Lendio business checking account.

Having a business checking account can help you improve your eligibility with some lenders when it comes time to apply for a loan.

Email us at [email protected] Have a question about an existing account? Call our friendly US-based support team at 1-385-444-9835.

Ready to open a Lendio Business Checking Account?

Terms & Conditions

Lendio is a financial technology company and is not a bank. Banking services provided by Thread, Member FDIC. The Lendio Visa® Debit Card is issued by Thread pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.