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Match My Business
BUSINESS CHECKINGEST. 2026

Your Business Deserves Its Own Account.
Find Out Which One.

A 60-second diagnostic that matches your business structure, deposit volume, and workflow to the exact checking tier built for it — no branch visit, no paperwork, no guesswork.

Match My Business →See What It Costs to Wait
247Accounts opened today
8 minAvg. setup time
$250KFDIC insured up to
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FINDING 01 — THE MIXING PROBLEM

73% of sole proprietors mix personal and business funds in year one.

It starts with one Venmo transfer. Then a business lunch on the personal card. By Q3, your CPA is billing you $400/hr to untangle a year of mixed transactions — and that's before the IRS notices.

73%
Mix funds in Year 1
Of sole proprietors surveyed by NSBA, 2025
$1,840
Avg. extra tax prep cost
Annual cost to disentangle mixed accounts
3.2×
Higher audit risk
Mixed-fund businesses vs. separated accounts
$6,200
In missed deductions
Average lost per year due to poor record-keeping
WHO'S MIXING FUNDS — BY BUSINESS TYPE

Separation rates improve with formalization — but most owners wait too long.

Source: NSBA Small Business Survey, 2025
Sole Proprietors
73%
Single-Member LLCs
58%
S-Corps (Year 1)
31%
Established LLCs
18%
FINDING 02 — THE SILENT EXPENSE

The wrong checking account is costing you $1,770–$4,070 a year.

Most business owners never calculate this. They see a $15 monthly fee and move on. They don't see the payroll add-on, the wire fees, the extra hours their accountant bills because the data export is garbage. Here's the full ledger.

Line ItemTypical BankLedgerYou Save
Monthly maintenance fee$15–$25/mo$0$180–$300/yr
Excess transaction fee$0.50/txn over limitUnlimited$240–$600/yr
Wire transfer (outbound)$25–$35/wire$8$170–$270/yr
Tax prep (mixed accounts)$400–$800 extraIncluded reports$400–$800/yr
Payroll integration$50–$150/mo add-onNative$600–$1,800/yr
ACH / same-day transfers$3–$5/transferFree$180–$300/yr
Annual Total$1,770–$4,070$0–$96$1,674–$3,974/yr

Your exact savings depend on your business type and transaction volume. The quiz calculates it for you.

Calculate My Savings →
60-SECOND DIAGNOSTIC

Match My Business

Four questions. One recommendation. No branch required.

Question 1 of 40%

What is your business structure?

This determines your legal separation requirements and tax filing path.

FROM THE LEDGER

Owners who ran the numbers.

Not testimonials from happy customers. Outcomes from people who switched and tracked what changed.

$2,200in taxes recovered
“I was running three 1099 streams through my Chase personal account and my CPA told me at tax time I owed $2,200 I shouldn't have. Opened Ledger Core in eight minutes. My accountant said it was the cleanest year-end she'd ever seen from a freelancer.”
Daria MensahUX Contractor & Motion DesignerAtlanta, GA
Ledger Core
20 minmonthly close (was 2 days)
“I have a gift shop and a small online store. Reconciling vendor payments, Shopify deposits, and Square POS into one personal account was destroying my Sundays. Ledger Pro connected to both and now my books close in 20 minutes at month-end instead of a full weekend.”
Tomás HerreraOwner, Papel & Co. Gift ShopSan Antonio, TX
Ledger Pro
48 hrsEIN to first deposit
“Got my EIN on a Tuesday. Had a Ledger Starter account open by Thursday. No minimum balance, no branch, no fax number required. By Friday I had my first client invoice paid directly into a real business account. That felt like the LLC actually existed.”
Priya NairFounder, Nair Consulting LLCAustin, TX
Ledger Starter
🏛
FDIC Insured
Up to $250,000 per depositor
🔒
256-bit Encryption
Bank-grade security, always
✓
SOC 2 Type II
Audited annually
◈
No Hidden Fees
Every charge documented
READY TO SEPARATE

Stop running your business through your personal account.

The 60-second quiz matches you to the right tier. The application takes 8 minutes. Your first deposit can hit today.

Match My Business →Compare All Tiers
✓No minimum balance
✓FDIC insured
✓Open in 8 minutes
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