Earn 4.5% APY interest illustration

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 accounts1 with $2.5M FDIC insurance2

mobile mockup of the highbeam app send money page
Earn 4.5% APY interest illustration
Highbeam desktop app mockupmockup of tooltip shown on hover of sales graph within highbeam app

Designed to make you profitable,
not profit off you

Cash-flow, instantly
Automate daily yield and interest payback to maximize profits and cash flow
Credit, responsibly
Delightfully transparent and meant to be used when you need
Scale, securely
$2.5M FDIC insurance on deposits1. Built in from day one with no fee

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

icon of coins showing interest earned

4.50% APY1

Earn interest up to 4.50% APY in all high yield accounts and up to 3.00% APY on all checking accounts. Setup auto-sweep rules to maximize yield with manual effort.

FDIC insured icon

$2.5M FDIC insurance2

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.

no fees icon

No fee banking

No hidden fees. No wire fees. No monthly fees. No overdraft fees. No minimums. Just, no fees.

card icon

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

send internation wires icon
Save on international wires
We give you international wire transfers at the best rates, so you’re not losing money when paying suppliers.
invoice icon
Consolidate invoices
Attach invoices to transactions keeping a clean and searchable record.
search transactions icon
Search transactions
Easily search payments to vendors and view spend in one dashboard.
gallery of partner logos

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.

2% cash back on ads icon
Up to 2% cash back on ads
1% cash back on everything icon
1% cash back
on everything
no fees icon
No fees  
No limits
card details for different spending categories illustration
For operating account, earn 3.0% on balances of $250,000 and up, in high yield earn 4.5% on balances of 1 million and up

Transparent yield

Earn up to 4.50% APY in your high yield account, and up to 3.00% in your operating account as your balance grows1. Maximize yield by moving excess funds to your high yield account with Smart Yield.

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.

comparison table of highbeam compared to traditional banks
customer testimonial

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.

Add us as a banking partner
(takes less than 5 minutes)

We check all the boxes.

icon of coins showing interest earned

4.50% APY1

Earn uncapped interest up to 4.50% APY on all high yield deposits and up to 3.00% APY on all checking accounts.

FDIC insured icon

$2.5M FDIC insurance2

Deposits are FDIC-insured up to $2.5M through our network of partner banks, members FDIC.

Built by ecommerce experts

When you bank with Highbeam, 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?
Expand/Collapse icon

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
Are my funds insured?
Expand/Collapse icon

Yes, your deposits qualify for up to a maximum of $2,500,000 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?
Expand/Collapse icon

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)?
Expand/Collapse icon

Yes, ACH (electronic transfers) are free with any Highbeam account.

Can I send wire transfers?
Expand/Collapse icon

Yes, domestic wire transfers are free with any Highbeam account.

Can I send wire transfers internationally?
Expand/Collapse icon

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?
Expand/Collapse icon

Yes, you can use electronic check deposits for free with any Highbeam account.

Banking that helps brands
make smarter decisions

Automate your cash flow with real-time insights, refreshingly transparent credit, and high yield deposit accounts.