Business banking · United States
Money in.
Money out.
One ledger.
Checking, cards, treasury, payments and stablecoins for U.S. companies — with every movement of cash on a single line of sight.
| Counterparty | Amount |
|---|---|
| Redwood Freight Co. | + 42,180.00 |
| Payroll · 6 employees | − 18,640.22 |
| AWS · Engineering | − 2,410.55 |
| Meridian Supply LLC | − 1,290.00 |
The foundation
Built for the way money actually moves through a business.
Checking & treasury
Idle cash should not sit still.
Operating balances earn 3.75% APY from the first dollar, with same-day access. No lockups, no minimum, no second login for a brokerage account.
- Coverage Up to $3M in FDIC insurance through our partner sweep network.
- Sub-accounts Unlimited virtual accounts, each with its own routing number.
- Auto-transfers Rules that top up payroll and sweep the remainder to treasury.
| Treasury · 3.75% APY | 62% |
| Operating | 26% |
| Payroll reserve | 12% |
Corporate cards
A card for every vendor, team and campaign.
Issue a virtual card in four seconds with its own limit, merchant lock and expiry. Metal for the people who need it. Cashback that scales with spend.
- Limits Per-transaction, daily and monthly — changed instantly, no reissue.
- Cashback 1% on Slate, 1.5% on Brass, negotiated on Onyx.
- Receipts Matched automatically and pushed to your accounting system.
annual spend
annual spend
annual spend
Payments
Every U.S. rail, priced on the page.
Send by ACH, wire, RTP or FedNow from one screen. Corbelfi picks the cheapest rail that still lands on time — or you pick it yourself.
- Approvals Multi-step chains by amount, vendor or entity.
- Global International wires in 20 currencies at 1% FX.
| Rail | Settles | Cost |
|---|---|---|
| ACH | 1–2 business days | Free |
| Same-day ACH | By 5:00pm ET | $1.00 |
| RTP / FedNow | Seconds, 24/7 | Free |
| Domestic wire | Same business day | $6.00 |
| International wire | 1–3 business days | $25.00 |
| Check (mailed) | 3–5 business days | $1.50 |
Stablecoins
Dollars that move like email.
Take payment in USDC or USDT from anywhere in the world, turn it into dollars in your operating account, and send payouts the same way — without bolting on a second provider.
- Accept Deposit addresses on Ethereum, Base, Polygon, Solana and Tron.
- Off-ramp Convert to USD in your Corbelfi balance, most conversions the same business day.
- Send Pay suppliers and contractors in stablecoins, through the same approval chain as a wire.
- Withdraw Move funds back out to your own wallet whenever you want.
| Asset & network | Settles | Fee |
|---|---|---|
| USDC · Base | Seconds | 0.5% |
| USDC · Solana | Seconds | 0.5% |
| USDC · Ethereum | 1–3 minutes | 0.5% |
| USDT · Tron | Seconds | 0.5% |
| USDT · Polygon | Seconds | 0.5% |
| Off-ramp to USD | Same business day | 0.5% |
The platform
The part your controller will actually care about.
Multi-entity
Every LLC, subsidiary and DBA under one login — consolidated when you want it, walled off when you need it.
Spend analytics
Burn by vendor, department, entity or card — with the transactions one click underneath every bar.
Approval chains
Anything over your threshold waits for the right signatures. Everything under it just goes.
Invoicing & bill pay
Send invoices that settle straight into the account, and clear incoming bills on a schedule you set.
Accounting sync
Two-way with QuickBooks, Xero and NetSuite. Categories and receipts arrive already matched.
API & webhooks
Issue cards, move money and pull statements programmatically. Sandbox keys the day you sign up.
Secure by design
Boring where it counts.
Extended FDIC coverage
Balances sweep across a network of program banks for up to $3M in pass-through FDIC insurance.
Passkeys and hardware keys
Strong authentication on every login and on any payment above the threshold you set.
Federally regulated partners
Deposits are held at U.S. partner banks, Members FDIC. Corbelfi never holds your funds directly.
SOC 2 Type II & PCI DSS
Audited annually by an independent firm. Reports available under NDA from your account team.
Pricing
Two plans. Every fee printed on the page.
| Standard$0 / monthGetting your first real finance stack in place. | Scale$29 / monthPayroll, approvals and multiple entities. | |
|---|---|---|
| FDIC coverage | Up to $3M | Up to $3M |
| Treasury yield | 3.75% APY | 3.75% APY |
| ACH | Free | Free |
| Same-day ACH | $1.00 | Free |
| Domestic wire | $6.00 | Free |
| RTP / FedNow | $5.00 | Free |
| Virtual cards | Unlimited | Unlimited |
| Stablecoin conversion | 0.5% | 0.25% |
| Foreign transaction fee | 1.0% | 0.5% |
| Apply | Apply on Scale |
Questions
Before you apply.
Who can open a Corbelfi account?
Any business incorporated in the United States — LLC, C-corp, S-corp, partnership or sole proprietorship — with a U.S. EIN and at least one owner who can verify their identity. We serve startups, agencies, e-commerce sellers, contractors, logistics firms and professional services.
How long does approval take?
Most applications take under ten minutes to submit and are decided the same business day. Have your EIN, formation documents and ownership details ready for anyone holding 25% or more.
Is Corbelfi a bank?
No. Corbelfi is a financial technology company. Banking services and FDIC insurance are provided by our partner banks, Members FDIC. Your deposits sit with those banks, not with us.
What does it cost to move money?
ACH and RTP are free on Scale. Standard pays $1 for same-day ACH, $6 per domestic wire and $5 for instant rails. International wires are $25 on both plans, with 1% FX on Standard and 0.5% on Scale. No overdraft, minimum-balance or closure fees on either plan.
How do stablecoin payments work?
You get deposit addresses for USDC and USDT across five networks. Anything sent to them arrives in your Corbelfi balance, and you decide whether to hold the stablecoin or convert it to dollars. Outgoing payments work the same way in reverse, under the same approval rules you set for wires. Conversion is 0.5% on Standard and 0.25% on Scale, with no monthly charge for the feature.
Can we keep our accounting software?
Yes. Corbelfi syncs both ways with QuickBooks, Xero and NetSuite, and exports clean CSV and OFX for everything else. The API covers card issuing, payments and statements if you would rather build your own reporting.
Get started
Ten minutes to apply. Same day to decide.
Apply in ten minutes and see every dollar your business moves in one place.