North One - Business Banking

NorthOne Inc

About this app

North One business banking makes the hardest parts of running your business easy so you can focus on the road ahead.

Get started for free¹ and:
- Never step foot in a bank branch again
- Buy with physical and virtual Mastercard® Small Business Debit Cards
- Apply for a Business Line of Credit and Business Term Loan⁵
- Send and receive payments from anywhere with Standard ACH, Same-Day ACH, wire transfers⁷, & more
- Deposit⁷ & send Paper Checks⁸
- Receive payments instantly with Real-Time Payments⁶
- Give each of your co-owners their own login and Mastercard® Small Business Debit Card
- Add cash at 90,000+ GreenDot® locations across the country⁷
- Take cash out at any Cirrus® ATM with no North One fees⁴
- Know how much money your business has by connecting to your sales channel(s) like PayPal, Stripe, Square, Shopify, Amazon, and Etsy

Get instant support from real humans
- Talk to a local Customer Care expert who understands your business
- Schedule a call, send us an email, or chat with us live Monday to Friday, 9am to 6pm ET (excluding December 25th and January 1st)

North One is a financial technology company, not a bank.
Banking services for the deposit account provided by The Bancorp Bank, N.A., 
Member FDIC.

The NorthOne Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC, pursuant to license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Card may be used everywhere Mastercard is accepted.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program.

1. Minimum $50 deposit required. See your Deposit Account Agreement for more details.
2. Based on North One user data. Time saved compared to sending the same type of payment at a traditional bank. Learn how we calculate time saved here: help.northone.com/en/articles/9095567-time-saved-counter
3. Applicable to the North One Standard Plan. Optional North One Plus Plan available for $20/month.
4. ATM Owner-Operators, merchants, and participating banks may impose their own fees and lower limits on cash withdrawals.
5. NorthOne is a financial technology company, not a lender. NorthOne does not issue loans or make credit decisions in connection with loans. NorthOne Lending is powered by Kanmon. All loans are subject to credit approval. Your terms may vary. NorthOne Lending loans are issued by Kanmon, a licensed lender. California Loans are made pursuant to a Department of Financial Protection and Innovation California Lenders Law License. Read more about Kanmon at kanmon.com.
6. Real Time Payments are available through The Clearing House Payments Company, LLC and generally occur within seconds, however certain circumstances could result in a delay or cancellation of a payment. See your Deposit Account Agreement for more details.
7. See Deposit Account Agreement for details on ACH transfers, Same-day ACH transfers, mobile check deposit, physical checks, domestic wire transfers, and third party cash transfers (subject to terms and conditions of GreenDot® Corporation).
8. The North One Account is not a checking account. You can send pre-authorized checks, subject to a fee. See the Deposit Account Agreement for more information.
9. North One Envelopes let you designate a portion of your balance for certain purposes and you can view them on the mobile app or website to help you stay organized. For more information, read the Deposit Account Agreement.

Ratings and reviews

DO NOT OPEN AN ACCOUNT! When I first got this app & opened an account, I thought it was great for me as a freelancer. I almost sent all my freelancer friends a link to get started. I am SO glad I didn't! I was unaware of the $10 monthly fee! I wish had screenshots of the process signing up because I'm almost certain the fee wasn't mentioned. It isn't less than traditional banks hidden fees. You don't get any extra features that you can't get free from other banks or apps. Not worth $120 a year!

No way to avoid the monthly fee. App does not work at all if you have developer mode enabled on your phone. Auto-filling Plaid passwords does not work. Pending transfers are not reflected in the account balance, so it is easy to send more than you have. After I posted the above, the developer responded on here "Please check your in-app chat for a message from our team." When I logged into the app it said I had a message waiting for me, but when I clicked on it I got "Something went wrong Couldn't load your conversations"

Super easy and awesome so far. Still waiting on my card. **See the thing is.. I signed up as well as did all the requirements with ur app in order to get rewards back on another app "Current" which says it's completed but haven't received my bonus yet. Which I know is not ur fault. But the 4 star would have been a 5 otherwise it's just I like to leave room for for Improvement, as I do not believe in perfection.