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Banking, payroll, bookkeeping, and compliance all in a single platform.
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Automate reconciliations, payroll runs, and expense tracking without switching apps.
No hidden fees. No surprises.
Open dedicated accounts with automatic dispersions for payroll, taxes, and expenses.
Issue cards, set limits, upload receipts, and track spending in real time.
Banking connects directly with payroll, bookkeeping, and compliance, no double entry.
Revolving charge cards with built-in cash back to reward your business growth
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Schedule vendor, payroll, or tax payments so you never miss a deadline.
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See cash flow, categorize spending, and track budgets with real-time insights.
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Banking data auto-syncs with bookkeeping, giving you audit-ready financials.
Opening an account is 100% online. Simply sign up through the OneCo platform, verify your identity, and you’ll be ready to start banking in minutes.
It can, but it doesn’t have to. You can use OneCo Banking as your primary account or connect it with existing bank accounts for a full financial view.
Yes. All OneCo Banking accounts are FDIC insured up to the legal limit, so your funds are protected.
Yes. You can issue payments to vendors, contractors, and employees directly from your OneCo account. Payroll integrates seamlessly.
Most transfers are processed within 1–2 business days. With ACH or direct deposit, timing depends on the receiving bank.
Absolutely. You can set up automatic recurring payments for vendors, payroll, or taxes to avoid missed deadlines.
Yes. Every transaction is automatically categorized and synced with your bookkeeping.
Yes. Upload or snap a photo of receipts, and OneCo will attach them to the right expense for easy record-keeping.
Yes. You’ll receive downloadable monthly statements, plus you can view real-time reports anytime in your dashboard.
Your funds are FDIC insured, and all transactions are monitored with real-time fraud protection.
Yes. We use industry-standard, bank-grade encryption to protect your data and transactions.
If suspicious activity occurs, we’ll notify you immediately. Unauthorized charges are investigated and reimbursed in accordance with federal regulations.
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