Banking that moves as fast as your ecommerce brand
Automate your cash flow with real-time insights, refreshingly transparent credit, and up to 4.5% APY deposit accounts with $2.5M FDIC insurance1,2
.png)
Designed to make you profitable,
not profit off you
If banking was built for brands, we would expect...
$2.5M FDIC insurance1
Building a brand can require carrying a large bank balance. Deposits are FDIC-insured up to $2.5M through our network of partner banks, members FDIC.
4.5% APY2
Earn interest up to 4.5% APY in all high yield accounts and up to 3% APY on all checking accounts. Setup auto-sweep rules to maximize yield with manual effort.
No fee banking
No hidden fees. No wire fees. No monthly fees. No overdraft fees. No minimums. Just, no fees.
2% cash back on ad spend4
You’re spending hundreds of thousands a month on ads, why not get some of that hard working money back?
Take the pain out of payables
Get savings that actually matter
We’ve partnered with the leading ecommerce tools and services to get you monthly and annual savings.
One card, many cards, and cashback with a card that keeps you on track
High limits, no late fees, and up to 2% cashback with no yearly limits4. Put your card spend on autopilot to save thousands of dollars every month.
on everything
No limits
Highbeam gives you best-in-class banking features, for free
Here’s how we stack up against the banks you’re used to dealing with.
Start making sense of your expenses today
Don’t worry about switching banks, cards, or anything else. Start getting insights when you connect your store data.
FAQs
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 (if applicable)
- Business name, industry, address, email, and telephone number
- Registration certificates, business licenses, and/or articles of incorporation
Yes, for Highbeam customers with deposit accounts on Thread Bank, funds up to $2,500,000 are insured by the FDIC through an insured cash sweep program managed by Thread Bank, Member FDIC. For Highbeam customers with deposits accounts on Blue Ridge Bank, funds up to $250,000 are insured by the FDIC through Blue Ridge Bank, N.A., Member FDIC. You can learn more about FDIC insurance on the FDIC website.
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.
Yes, ACH (electronic transfers) are free with any Highbeam account.
Yes, domestic wire transfers are free with any Highbeam account.
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.
Yes, you can use electronic check deposits for free with any Highbeam account.
