Open the right business bank account.
We do not provide banking ourselves. We connect you to our partner banks (Mercury, Relay, Bluevine, traditional banks) so you can compare features, pick the right one, and open the account with your formation documents already in hand.
Business Banking, plainly.
A business bank account is not optional. It is the first thing a real LLC or corporation needs to actually operate. But not every founder needs the same bank. A US founder running a SaaS company has different needs from a real estate investor with 12 LLCs, who has different needs from a brick-and-mortar restaurant.
Rather than picking one bank and pushing every customer to it, we maintain a partner network of vetted banks and fintech operators across categories: digital-first business banking (Mercury, Relay), traditional business banking (Chase, Citi, regional banks), specialized banking (real estate, e-commerce, international founders). We match you to the right one based on your situation.
File.Business does not earn referral fees that compromise the recommendation. Where partner banks pay marketing fees, those are disclosed; where we recommend a bank that pays us nothing, we say so. The goal is your right fit, not our payday.
Common situations.
What the partner network includes.
- 12+ vetted banking partners
- Pre-filled application with your formation docs
- Same-day account opening for most digital-first banks
- Specialty matching (real estate, e-commerce, international)
- No referral-fee bias in recommendations
- Account credentials connected to File.Business books
- Multi-entity support for portfolio operators
- Treasury and savings product access where applicable
Four steps. We handle the rest.
How we compare.
- 12+ banking partners
- Match based on your business
- No referral-fee bias
- Pre-filled with formation docs
- Connected to books and payroll
- No File.Business fee
| Single-bank push | DIY shopping | Random Google search | File.Business | |
|---|---|---|---|---|
| Partner count | 1 | many | many | 12+ |
| Pre-filled application | no | no | no | yes |
| Fit-based matching | no | manual | no | yes |
| No referral-fee bias | no | n/a | n/a | disclosed |
| Connected to books | no | manual | no | yes |
“I was about to open with the first bank I Googled. File.Business matched me to Mercury based on our transaction volume and runway. Switched within a week. Easier KYC, better treasury features.”
The File.Business Promise
If we miss a deadline on a service you pay us to manage, we cover the penalty. If you change your mind within 60 days, we refund our fee in full. Your data stays yours, always.
Common questions.
Does File.Business provide a bank account directly?
Do you charge a fee for matching?
How do you choose partners?
Can I use my existing bank?
What about international founders?
Are partners FDIC-insured?
Multi-entity portfolios?
Can I open the account before formation is complete?
Can you make the introduction?
What if a partner application is denied?
Find a banking partner in about 5 minutes.
Tell us a few details. We do the rest. You get a single dashboard for everything.
From "I want to start a business" to fully compliant in five steps
Each step has a target time, a status indicator, and a clear owner. We do most of it. You sign and approve.
Pick name + state
Instant name availability across 51 jurisdictions. Our quiz suggests the right state if you are unsure.
Articles of Organization
$0 service fee. State fee at cost. Same-day in DE, WY, NV, FL, TX. Other states in 5 to 15 business days.
EIN from the IRS
Free, filed direct with the IRS. International founders without SSN: we fax Form SS-4 and get your EIN in 4 business days.
Open business banking
Mercury, Relay, Chase, or Brex. Pre-filled with your formation documents. International-founder accounts at Mercury and Relay.
Stay compliant
Annual reports auto-filed in all 51 jurisdictions. BOI tracking for foreign-owned entities. Penalty-free guarantee on Pro+.
Start. Manage. Stay Compliant. Grow. Exit.
Every stage of a US business has services, deadlines, and decisions. File.Business is the operating system that runs through all of them · not just the formation moment.
Form
Days 1-15- Name + state selection
- Articles of Organization
- EIN from IRS
- Operating Agreement
- Business banking
Manage
Days 16+ ongoing- Registered Agent
- Document vault
- Officer + address updates
- Member changes
- Multi-entity dashboard
Stay Compliant
Annual + recurring- Annual reports auto-filed
- BOI for foreign-formed
- S-Corp election timing
- Franchise tax
- Compliance Monitoring
Grow
Year 1-5- Foreign qualification
- Entity conversion
- Mergers + restructure
- Trademark + IP
- Multi-state expansion
Exit / Dissolve
When ready- Foreign entity withdrawal
- Business dissolution
- Final tax filings
- Record retention
- Clean state records
The numbers behind a business operating system you can trust
Audited, accredited, encrypted, insured. The complete picture of what makes File.Business safe to run your business on.
Independent annual audit. Report available under NDA for enterprise customers.
Better Business Bureau accredited business with public dispute resolution policy.
Across all 50 states + DC. Single-member LLCs to multi-entity holding structures.
Customer rating from verified-formation customers, audited annually.
Professional liability coverage. Penalty-free guarantee covers state late fees from our error.
All 50 states plus DC. Filing direct with each Secretary of State; no middleman.
Countries. Foreign founders without SSN supported via IRS fax-EIN channel.
On the $129/yr Compliance Annual Filings plan, we cover state late fees.
When you autofile your annual report through the $129/yr plan and we miss the deadline, we pay the state's late fee. The guarantee applies to that specific plan and the filings it includes. Other File.Business services are billed at the prices on this page.
Four steps from request to delivery
File.Business runs your filing on a single concierge workflow. You provide what we need; we handle the rest.
Tell us what you need
2-minute intake. We confirm the filing type, jurisdiction, and any supporting documents required.
We prepare the filing
Our specialists draft the document, validate against state requirements, and queue for your review where required.
We submit to the state
Filed through the state portal. We pay the state fee, track the submission, and resolve any state correspondence.
Confirmation in your vault
state-required document delivered to your SOC 2 encrypted document vault, with deadline tracking for the next filing.