Business Banking
FDIC-insured business accounts, debit cards, and ACH transfers. Keep personal and business money cleanly separate from day one.
Houston businesses
run better on OneCo
From downtown Houston to the wider metro, OneCo gives Houston small businesses banking, payroll, accounting, and Texas compliance in one platform — so you spend less time on paperwork and more time growing.
Trusted by 1,600+ Houston small businesses
Trusted by 2,400+ small businesses
All in one place
Houston small business finance, finally all in one place
Stop stitching together a bank, a payroll app, a bookkeeper, and a compliance service. OneCo brings the whole back office of your Houston business under one login — accurate, tax-ready, and built for Texas.
Your Q2 payroll taxes are filed and your books are reconciled through June 30. You’re all clear.
Finally. I haven’t had to think about taxes once this quarter.
One platform. Every tool you need.
Banking, payroll, accounting, compliance, business credit, and insurance — unified for the way Houston businesses actually work.
Get StartedGetting started
How Houston businesses get started
From setup to full operation in days, not months.
01
Connect & onboard
Link your existing accounts and tell us about your Houston business. We pull in your transactions and set up your books — most owners are done in under 10 minutes.
Connect your accounts
02
Get your dashboard
Banking, payroll, books, and Texas compliance appear in one place the moment you're set up. No manual data entry, no syncing between five different tools.
Overview
Account balance
$48,320.00
Payroll
On time
Books
Current
TX Filing
Filed
Credit
720
03
Run your business, not your paperwork
Payroll runs itself. Books stay current. Texas sales tax and franchise tax deadlines get handled. You focus on what you built — OneCo runs the back office.
Payroll sent
4 employees paid · $12,400 disbursed
TX sales tax filed
PIR · Filed with TX Comptroller
Everything included
Everything a Houston business needs to operate
Payroll
Pay W-2 employees and 1099 contractors across Harris County. Payroll calculates, files, and pays — your team is always on time.
Accounting
Real-time bookkeeping, invoicing, and reconciliation. Your books stay current and tax-ready all year, not just at filing time.
Business Credit
Build a business credit profile separate from your personal FICO so your Houston business can qualify for cards, loans, and leases on its own.
Compliance
Texas franchise tax and Public Information Report (PIR) reminders filed with the Texas Comptroller, sales tax filings, and a deadline calendar so your LLC or corp never falls out of good standing.
Business Insurance
Compare and buy coverage tailored to Texas businesses — general liability, workers' comp, and more — in minutes, right inside OneCo.
FAQ
Questions about running a business in Houston
Yes. Texas has no annual report — instead OneCo tracks your Texas franchise tax and Public Information Report (PIR) deadlines with the Texas Comptroller, your sales tax filings, and other state obligations — with reminders and one-click filing so your Houston business stays in good standing.
Yes. Any registered Texas LLC or corporation can open an FDIC-insured business account through OneCo in minutes — no branch visit, no minimum balance, and every transaction syncs straight to your books.
Absolutely. OneCo pays W-2 employees and 1099 contractors, handles federal and Texas payroll requirements, and files automatically. Since Texas has no state income tax, setup is even simpler.
OneCo doesn't just record numbers — your banking, payroll, and books live on one platform, so reconciliation is automatic and you always see real-time cash flow. Many owners keep their CPA for advice and let OneCo handle the day-to-day.
Most Houston businesses are fully onboarded in under 10 minutes. Connect your accounts, confirm a few details about your business, and your dashboard is live the same day.
No. Start free with no credit card required, and cancel anytime. You only pay for the parts of OneCo your business actually uses.
Your Houston business deserves better tools
Start free. No credit card required. Cancel anytime.
Get Started
Trusted by 2,400+ businesses
Bring your whole business
into one platform
OneCo unifies banking, payroll, accounting, and compliance so you can run every part of your business from one place, make faster decisions, and stop juggling disconnected tools.