Banking that moves as fast as your ecommerce brand
Real-time insights to manage cash flow, refreshingly transparent credit, and best-in-class banking built for brands


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Designed to make you profitable,
not profit off you



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

Instant payouts from Shopify and Amazon
We insure deposits up to $250,000 through Blue Ridge Bank, so rest assured your money is safe.

2% cash back on ad spend
You’re spending hundreds of thousands a month on ads, why not get some of that hard working money back?

4% APY on your cash
When you have cash sitting in Highbeam you benefit from the most competitive savings interest rate on the market.

No fee banking
No hidden fees. No monthly fees. No overdraft fees. No minimums. Just, no fees.
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
Set limits on your spend so you don’t have to worry about surprise billing, and earn money on every dollar you spend.

on ads

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.
We check all the boxes.

FDIC insured
We insure deposits up to $250,000 through Blue Ridge Bank, so rest assured your money is safe.

Built by ecommerce experts
Built by a team with deep operating experience in ecommerce and finance. Backed by FirstMark and Mayfield Fund.

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

1:1 support to help you grow
When you bank with Highbeam, you tap into our network of high-growth brands and preferred vendors.
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, your checking accounts are insured up to the FDIC limit of $250,000*. You can learn more about FDIC insurance here.
* Highbeam is a financial technology company, not a bank. Banking services are provided by Blue Ridge Bank, N.A.; Member FDIC.
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.
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.