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.
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 hidden fees. No wire fees. No monthly fees. No overdraft fees. No minimums. Just, no fees.
You’re spending hundreds of thousands a month on ads, why not get some of that hard working money back?
We’ve partnered with the leading ecommerce tools and services to get you monthly and annual savings.
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.
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.
Deposits are FDIC-insured up to $2.5M through our network of partner banks, members FDIC.
Earn uncapped interest up to 4.5% APY on all high yield deposits and up to 3% APY on all checking accounts.
When you bank with Highbeam, you tap into our network of high-growth brands and preferred vendors.
We never use your data without permission and have enterprise grade security to keep your information safe and secure.
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.