Business Banking
FDIC-insured business accounts, debit cards, and ACH transfers. Keep personal and business money cleanly separate from day one.
Miami businesses
run better on OneCo
From Brickell to Wynwood, OneCo gives Miami small businesses banking, payroll, accounting, and Florida compliance in one platform — so you spend less time on paperwork and more time growing.
Trusted by 1,200+ Miami small businesses
Trusted by 2,400+ small businesses
All in one place
Miami 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 Miami business under one login — accurate, tax-ready, and built for Florida.
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 Miami businesses actually work.
Get StartedGetting started
How Miami businesses get started
From setup to full operation in days, not months.
01
Connect & onboard
Link your existing accounts and tell us about your Miami 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 Florida 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
FL Filing
Filed
Credit
720
03
Run your business, not your paperwork
Payroll runs itself. Books stay current. Florida sales tax and annual report deadlines get handled. You focus on what you built — OneCo runs the back office.
Payroll sent
4 employees paid · $12,400 disbursed
FL sales tax filed
DR-15 · Auto-submitted to FL DOR
Everything included
Everything a Miami business needs to operate
Payroll
Pay W-2 employees and 1099 contractors across Miami-Dade. 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 Miami business can qualify for cards, loans, and leases on its own.
Compliance
Florida annual report reminders, Sunbiz filings, sales tax (DR-15), and a deadline calendar so your LLC or corp never falls out of good standing.
Business Insurance
Compare and buy coverage tailored to Florida businesses — general liability, workers' comp, and more — in minutes, right inside OneCo.
FAQ
Questions about running a business in Miami
Yes. OneCo tracks your Florida annual report deadline with Sunbiz, your Department of Revenue sales tax filings (DR-15), and other state obligations — with reminders and one-click filing so your Miami business stays in good standing.
Yes. Any registered Florida 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 Florida payroll requirements, and files automatically. Since Florida 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 Miami 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 Miami 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.