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Banking, payroll, bookkeeping, and compliance are built to work together seamlessly in one unified platform.
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Automate reconciliations, payroll runs, and expense tracking, all without switching tools or workflows.
Clear, upfront pricing with no hidden fees, unexpected charges, or last-minute surprises.
Open dedicated accounts that automatically separate funds for payroll, taxes, and expenses, allowing your finances to stay organized with minimal effort.
Issue cards to your team, set spending limits, upload receipts, and track every expense in real-time, right from your dashboard.
Connect your banking directly to payroll, accounting, bookkeeping, and compliance tools. No double entry. No reconciling chaos.
Earn real cash back on every eligible purchase with your OneCo business cards, and turn everyday spending into 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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