LedgerBusiness checking that moves
as fast as you do.
Built for the founder invoicing from an Uber and running payroll from a coffee shop. No marble lobbies. No minimum balance traps. Just your money, moving.
What's your average monthly revenue?
No credit check · No SSN until step 3 · FDIC insured via Thread Bank
Traditional banks charge founders an average of $847/year in maintenance and transfer fees. We charge exactly nothing. That's $847 back in your operating budget.
Industry average: 1–3 business days.
When a client pays your invoice on a Friday afternoon, you shouldn't have to wait until Tuesday. Our real-time ACH routing puts money in your account in under 5 seconds, 24 hours a day, 7 days a week.
Q1 2026 · and counting live
Every one of them left a bank that charged them to exist. The switch takes 8 minutes. The regret: zero. The savings: immediate.
“Moved from Chase Business after 4 years. The ACH alone saves me 3 days of cash flow anxiety every week.”
“I run an S-corp and was paying $340/year just to have a business account. That math stopped making sense the second I found Ledger.”
“Two founders, one account, zero drama. Expense splitting and payroll from the same dashboard is genuinely life-changing.”
Everything you need.
Nothing you don't.
Inbound transfers land in 4.1 seconds. No holds. No delays. Every day of the year.
Pay contractors and W-2s directly from your dashboard. Same-day for amounts under $10k.
Send professional invoices and get paid directly into your Ledger account. No Stripe middleman.
Two founders, one account. Set spending rules, split expenses automatically, and never fight over who paid for AWS.
256-bit AES encryption, biometric auth, and real-time fraud alerts. Your business finances, locked down.
No credit check required · Takes 8 minutes average · FDIC insured