Earn 4.5% APY interest illustration

Banking that moves as fast as your ecommerce brand

No fees, no hassle—just banking designed to help brands thrive.

Highbeam is a financial technology company, not a bank.
Banking services provided by Thread Bank, Member FDIC.

Earn 4.5% APY interest illustration
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Reimagining banking for brands

Say goodbye to fees
Eliminate domestic wires, ACH payments, and account maintenance fees, freeing up more capital to fuel your growth.
$50
$25
$5
2%
Money that works for you
Ensure your deposits are always earning with yield on both operating and high yield accounts.1
Bank with confidence
Rest easy with $3M in FDIC insurance on deposits through Thread Bank, member FDIC.2
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Highbeam isn’t just banking. They're a strategic partner that truly understands the unique challenges of growing a brand.

Quincy Moore
Co-founder and CEO, New York or Nowhere

Highbeam has an amazing team, some of the best banking UX I've ever seen, and amazing interest rates on our high yield account. We couldn't ask for more.

Charlotte Cruze
Co-founder, Alice Mushrooms

Maximize your earnings, automatically

Earn up to 4.54% annual percentage yield1 as your balance grows, with automated fund transfers to high yield savings accounts ensuring your money is always working for you.

A delightful banking experience

Leave clunky, outdated platforms behind. Highbeam’s intuitive interface is designed with your brand’s needs in mind, making banking a pleasure, not a chore.

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Up to 2% cash back on ads
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1% cash back
on everything
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No fees  
No limits

Dedicated support, whenever you need it

Our best-in-class customer service means you’re never alone. With dedicated account management, we’re always here to support your brand’s success.

If banking was built for brands, we would expect...

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Automated earnings

Earn interest up to 4.54% APY in all high yield savings accounts and up to 2.75% APY on all checking accounts.1 Set up auto-sweep rules to maximize yield with manual effort.

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$3M FDIC insurance2

Building a brand can require carrying a large bank balance. Deposits are FDIC-insured up to $3M through our partner bank, Thread Bank, member FDIC.

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No-fee banking

Save on domestic wires, ACH payments, and account fees that cost your business thousands, to re-invest into your brand.  

Superior customer service 

We know it’s frustrating to get a hold of your bank when you need them most. We’re always here for you–call, text, or an email away. 

Highbeam gives you the best-in-class features, for free

Here’s how we stack up against the banks you’re used to dealing with.

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Banking that's built for brands

High yield checking and savings accounts, best-in-class customer service, and no fees to drive more profit.

See if you qualify

We check all the boxes.

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4.54% APY1

Earn uncapped interest up to 4.54% APY on all high yield deposits and up to 3.04% APY on all checking accounts.

FDIC insured icon

$3M FDIC insurance2

Deposits are FDIC-insured up to $3M through our partner bank, Thread Bank, member FDIC.

Built by ecommerce experts

When you are a Highbeam customer, you tap into our network of high-growth brands and preferred vendors.

Always secure

We never use your data without permission and have enterprise grade security to keep your information safe and secure.

FAQs

What do I need to apply for an account?
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Highbeam is open to ecommerce and omni-channel brands. To be eligible, you must be a U.S. company with the following:

  • Personal identification documents from the business owner
  • The business’s Employer Identification Number
  • Business name, industry, address, email, and telephone number
  • Registration certificates, business licenses, and/or articles of incorporation
Are my funds insured?
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Yes, your deposits qualify for up to a maximum of $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. You can learn more about FDIC insurance on the FDIC website.

What does Highbeam cost?
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We believe in transparent, accessible financial services. Because of that, there are no hidden fees or costs. That is, no minimum account balance needed, no ACH, domestic wire or overdraft fees, and no monthly or annual fees. Advanced features such as Highbeam Capital charges a flat interest rate on loans, clearly called out as APR. International transfers sent in USD have a flat fee of $20 to cover SWIFT charges and non-USD transfers are free after currency exchange. International transactions made via Highbeam cards incur a 1% fee that’s charged by Visa.

Can I send money via ACH (electronic transfer)?
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Yes, ACH (electronic transfers) are free with any Highbeam account.

Can I send wire transfers?
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Yes, domestic wire transfers are free with any Highbeam account.

Can I send wire transfers internationally?
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Yes, we support international wire transfers. USD transfers have a flat fee of $20 to cover SWIFT charges and for non-USD transfers Highbeam provides no-fee currency exchange.

Can I deposit checks in my account?
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Yes, you can use electronic check deposits for free with any Highbeam account.

The financial stack built for brands

One integrated platform that automates
cash flow management and maximizes profitability.