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.
A clean handoff, in four steps.
You give us the basics. We handle the state, the IRS, and the compliance clock so you can focus on the business.
A name that's actually available.
Real-time check against the state register, USPTO trademark database, and matching domains.
Filed with the Secretary of State.
We submit your Articles, pay the state fee on your behalf, and return the stamped certificate.
EIN + the right tax setup.
Federal Employer ID with the IRS, plus state tax accounts when your business needs them.
Registered Agent + deadline tracking.
Your agent on file in every state, with every renewal and annual report tracked in one calendar.
Four steps. We handle the rest.
How we compare.
| 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 |
Based on publicly listed pricing and feature pages as of 2026. Competitor names are trademarks of their respective owners.
Frequently asked 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?
Find a banking partner in about 5 minutes.
Tell us a few details. We do the rest. You get a single dashboard for everything.
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.