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    Started</button></form>

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Text Content

Products

Products

Financing


BUSINESS CHECKING

Access up to 3.77%** Annual Percentage Yield from Meow's partner banks




CASHBACK CARDS

Earn up to 2% cashback and create unlimited virtual and physical cards with
custom spend limits




INTERNATIONAL PAYOUTS

Send 40+ currencies internationally on your Meow Dashboard


GLOBAL TREASURY

Buy, auto-roll, and ladder T-Bills, U.K. Gilts, Bunds, and access low-fee FX at
BNY Pershing




RUNWAY TRACKER

Visualize your cash burn, remaining runway, revenue, and expenses in a few
clicks




BUSINESS LOANS

Apply for up to $20 million in financing without impacting your credit score‡
through our lending partners


FOUNDER MORTGAGES

Apply for a founder-friendly mortgage from Meow's network of mortgage providers




VENTURE DEBT

Apply for venture debt from Meow's curated network of venture debt providers




SBA LOANS

Apply for SBA loans from Meow's SBA loan marketplace

Meow Technologies is a financial technology company, not a bank or FDIC-insured
depository institution. Meow is not a lender, broker, SBA lender, bank or credit
union. Lending services are subject to credit approval from Meow's partners.
Meow Advisory LLC is a registered investment adviser. Registration as an
investment adviser does not imply any level of skill or training.

Solutions


FOR BUSINESSES

Get a business checking account through Meow's partner banks with free wires,
ACH, and up to 3.77% APY**


FOR FUNDS

Onboard your funds and management entities all from one log-in with Meow's
multi-entity dashboard


FOR STARTUPS

Access exclusive perks with our partners like Puzzle for accounting and
AngelList for cap table management

Meow Technologies is a financial technology company, not a bank or FDIC-insured
depository institution.

Resources

Resources

AboutHelp CenterCustomer StoriesBlogComparisonFAQ

Featured


8 BEST CROSS BORDER PAYMENT SOLUTIONS FOR BUSINESSES IN 2024

June 6, 2024


GUIDE TO SBA MICROLOANS: WHAT THEY ARE AND HOW TO APPLY

May 22, 2024


TREASURY BILLS 101

March 28, 2023


Sign InGet Started


BUSINESS BANKING,
WITH INTEREST

Unlock a business checking account that pays up to 3.77% Annual Percentage Yield
(APY) from our partner banks.**

Get Started

Meow Technologies is a financial technology company, not a bank or FDIC-insured
depository institution. Banking services are provided by Grasshopper Bank, N.A.
and Third Coast Bank SSB; Members FDIC. The FDIC's deposit insurance coverage
only protects against the failure of an FDIC-insured bank.***


Meet our customers



ONE COHESIVE PLATFORM. ALL YOU NEED.

Corporate cards

Earn unlimited cashback up to 2% on every purchase. No fees or credit check
required*.



Free wires, ACH, and checks

Create fee-free scheduled and recurring payments by ACH and wire, and free
checks.



Invoicing

Create custom-branded invoices with your company's logo and colors.



Meow Technologies is a financial technology company, not a bank. The Meow
Commercial Card is issued by Community Federal Savings Bank, pursuant to a
license from VISA U.S.A. Inc. Banking services are provided by Grasshopper Bank,
N.A. and Third Coast Bank SSB; Members FDIC.

Integrations

Seamlessly integrate with your existing payroll, accounting software, and more.



Spend controls

Set initiators, approvers, and spend limits for wires, ACHs, and checks across
your organization.



Financing

Apply for business financing, term loans, lines of credit, and SBA loans through
our partners.



Meow is a financial technology company, not a lender. Meow does not issue loans
or make credit decisions in connection with loans. All loans are subject to
credit approval from Meow's bank or credit partners. SBA loans are provided by a
network of vendors and subject to their approval. Your terms may vary.


"MEOW IS OUR GO-TO PLATFORM FOR BUSINESS BANKING. THEY PROVIDE INCREDIBLE
SUPPORT AND AN EASY-TO-NAVIGATE UI WHICH LETS US CONSOLIDATE OUR CHECKING
ACCOUNTS AND OTHER TREASURY MANAGEMENT ACCOUNTS INTO ONE DASHBOARD"

Eli Wachs, CEO of Footprint

Testimonials on this website/app reflect individual experiences and opinions.
Results may vary and are not guaranteed for all users. The case studies
discussed herein were selected based on objective non-performance based criteria
and are provided for illustrative purposes. There is no guarantee that your
experience on Meow will be the same.




MEOW TECHNOLOGIES BY THE NUMBERS

$1B+



Assets on platform


$25M+



Expected 2024 interest paid by our Partner Banks


1,000+



Businesses with funded accounts through Meow


ONE POWERFUL BUSINESS CHECKING ACCOUNT

Meow Technologies is a financial technology company, not a bank or FDIC-insured
depository institution. Banking services are provided by Grasshopper Bank, N.A.
and Third Coast Bank SSB; Members FDIC. The FDIC's deposit insurance coverage
only protects against the failure of an FDIC-insured bank.***

SAY GOODBYE TO WIRE FEES

There's no such thing as a wire or ACH fee on Meow. Enjoy zero fee banking from
our bank partners.

Zero wire or ACH fees, both domestic and international

Free check issuance and check deposits

Learn more



Available Balance

$738,811.62

Up to 3.77% APY

UP TO 3.77% APY**

Meow's partner banks pay interest on every dollar in your account.

Earn up to 3.77% APY, subject to rate sheets.

Interest from Meow's partner banks compounds daily.

Learn more

EFFORTLESS SPEND MANAGEMENT

Easily set transfer limits for individuals and create approval workflows for
large transfers. Meow gives you complete control.

Set initiators and approvers for wires and ACHs

Create employee limits for virtual or physical cards

Learn more



RECLAIM YOUR TIME

With scheduled transfers, pay by .csv file, and automated spend controls, Meow
helps you get back to business.

Set scheduled and recurring wires, ACHs, and invoices

Access all your businesses in one place with one log-in

Learn more


APPLY IN LESS THAN 10 MINUTES TODAY

Join over 1,000+ businesses already using Meow.

Get Started


FOOTER


PRODUCTS

 * Business Checking
 * Unlimited Cashback Cards
 * International Payouts
 * Invoicing
 * Global Treasury
 * Runway Tracker
 * Business Loans


FINANCING

 * Founder Mortgages
 * Venture Debt
 * SBA Loans


MEOW FOR

 * Businesses
 * Funds
 * Startups


RESOURCES

 * About
 * Help Center
 * Customer Stories
 * Blog
 * Comparison
 * FAQ


LEGAL

 * Privacy Policy
 * Terms of Service
 * Data Processing Agreement
 * Cookie Policy
 * Form CRS
 * Form ADV Part 2A
 * Cashback Rewards Program Terms

Copyright © 2024 Meow Technologies Inc | All Rights Reserved


*Disclaimer: Meow Advisory LLC is a registered investment adviser. Registration
as an investment adviser does not imply any level of skill or training.
For accounts opened through Atomic Brokerage LLC: Meow Advisory LLC has an
engagement with Atomic Brokerage LLC (“Atomic Brokerage”), a registered
broker-dealer and member of FINRA and SIPC , to bring you the opportunity to
open a brokerage account. Brokerage services for customers of Meow Advisory LLC
are provided by Atomic Brokerage. For more details about Atomic Brokerage,
please see the Form CRS, General Disclosures, and the Privacy Policy. Check the
background of Atomic Brokerage on FINRA’s BrokerCheck.
For subadvisory services for accounts opened through Atomic Invest LLC: Meow
Advisory LLC has an engagement with Atomic Invest, LLC (“Atomic Invest”), an
SEC-registered investment adviser, to bring you the opportunity to open an
investment advisory account. Investment advisory services are provided by Atomic
Invest. Companies which are engaged by Atomic Invest receive compensation of 0%
to 0.85% annualized, payable monthly, based upon assets under management for
each referred client who establishes an account with Atomic Invest (i.e., exact
payment will differ). Atomic Invest also shares a percentage of compensation
received from margin interest and free cash interest earned by customers with
Meow Advisory LLC. Meow Advisory LLC is not a client of Atomic Invest, but our
engagement with Atomic invest gives us an incentive to refer you to Atomic
Invest instead of another investment adviser. This conflict of interest affects
our ability to provide you with unbiased, objective information about the
services of Atomic Invest. This could mean that the services of another
investment adviser with whom we are not engaged could be more appropriate for
you than Atomic invest. Advisory services through Atomic Invest are designed to
assist clients in achieving a favorable outcome in their investment portfolio.
They are not intended to provide tax advice or financial planning with respect
to every aspect of a client's financial situation and do not include investments
that clients may hold outside of Atomic Invest. For more details about Atomic
Invest, please see the Form CRS, Form ADV Part 2A, the Privacy Policy, and other
disclosures. Brokerage services for Atomic Invest are provided by Pershing
Advisor Solutions LLC (“PAS”), a registered broker-dealer and member of FINRA
and SIPC.
Neither Atomic Invest nor Atomic Brokerage, nor any of their affiliates, is a
bank. Investments in securities are Not FDIC insured, Not Bank Guaranteed, and
May Lose Value. Investing involves risk, including the possible loss of
principal. Before investing, consider your investment objectives and the fees
and expenses charged by Atomic Brokerage and/or Atomic Invest.
See the Legal Section within the Meow website for additional agreements.

~5% Treasury Bill yield is sourced from treasurydirect.gov June 2024 12-week
U.S. Treasury Bill auction. T-Bill yield is an annualized rate when held to
maturity. T-Bills are purchased at a discount to par, $1,000, with the price
being subject to market fluctuation. The amount of T-Bills available at a
particular yield will depend upon the sellers' offer size

**Disclaimer: The interest rate and annual percentage yield may change at any
time and without prior notice. Interest rates and yields are effective as per
the date on the applicable rate sheet. See applicable terms and restrictions and
refer to the applicable rate sheet for additional information. Meow Technologies
is a financial technology company, not an FDIC-insured depository institution,
bank or credit union, and your account at Meow is not, itself, an FDIC-insured
product.

Meow currently partners with two banking providers. Banking services are
provided by Third Coast Bank SSB; Member FDIC, and Grasshopper Bank, N.A; Member
FDIC.

By opening a Maximum Checking account through Meow and if you choose to receive
banking services provided by Third Coast Bank SSB, you deposit your funds into a
deposit account at Third Coast Bank SSB. If you also hold funds in a sweep
program with Third Coast Bank SSB, Third Coast Bank SSB sweeps those funds into
deposit accounts across a network of FDIC-insured banks, for up to the current
SMDIA of $250,000 per eligible depositor, per receiving bank, for each ownership
capacity or category, including any other balances you may hold at that
receiving bank directly or indirectly through other intermediaries, including
broker-dealers. Third Coast Bank SSB uses a third-party vendor and agent to help
administer this sweep process. Visit Third Coast Bank SSB for a list of the
banks and savings associations with which we/Third Coast Bank SSB have a
business relationship for the placement of deposits at receiving banks, and into
which your deposits may be placed (subject to applicable terms with you, and any
opt-outs by Third Coast Bank or you). The current maximum deposit insurance
amount for your funds is up to $50 Million in FDIC insurance through the sweep
network of Third Coast Bank, subject to change at any time with notice from Meow
and/or pursuant to applicable law. Terms and restrictions apply. Subject to
applicable rate sheet. Interest rate on checking products quoted in Annual
Percentage Yield (APY). Interest rates and yields are effective as per the date
on the applicable rate sheet. See applicable terms and conditions and refer to
the applicable rate sheet for additional information.

Deposit placement through an IntraFi service is subject to the terms,
conditions, and disclosures in applicable agreements. Deposits that are placed
through an IntraFi service at FDIC-insured banks in IntraFi's network are
eligible for FDIC deposit insurance coverage at the network banks. The depositor
may exclude banks from eligibility to receive its funds. To meet the conditions
for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks
in IntraFi's network that hold deposits placed using an IntraFi service are
titled, and deposit account records are maintained, in accordance with FDIC
regulations for pass-through coverage. Although deposits are placed in
increments that do not exceed the FDIC standard maximum deposit insurance amount
("SMDIA") at any one bank, a depositor's balances at the institution that places
deposits may be uninsured. The depositor must make any necessary arrangements to
protect such balances consistent with applicable law and must determine whether
placement through an IntraFi service satisfies any restrictions on its deposits.
IntraFi, ICS, and IntraFi Cash Service are registered service marks of IntraFi
LLC.

***FDIC insurance coverage is only available to protect you against the failure
of an FDIC-insured bank that holds your deposits (and does not protect you
against the failure of Meow or other third party). Your account with Meow and
all services provided to you are subject to the Meow Terms of Service (“Account
Agreements”) and other applicable terms and no other representations or
warranties, express or implied, are provided to you except as expressly set
forth in those written Account Agreements. If you have any questions regarding
your account, please contact team@meow.com.

†2% average savings are based on an average estimated fee rate of 3% for foreign
currency conversion fee charged by Visa and most issuing banks. See here for
more information. Currencies eligible for foreign exchange savings are available
here.

Meow may receive compensation if you receive business financing through Lendio.

Financing amounts range from $50,000 to $20M, depending on the product. The
amount you qualify for is based on your credit, industry, and location, and may
be less than the maximum for the product.

‡Filling out an application for business funding and submitting to our funding
partners will not impact your personal credit score, but, depending on the
product, accepting an offer may result in a hard inquiry.

California loans made pursuant to the California Financing Law, Division 9
(commencing with Section 22000) of the Finance Code. All such loans made through
Lendio Partners, LLC, a wholly-owned subsidiary of Lendio, Inc. and a licensed
finance lender/broker, California Financing Law License No. 60DBO-44694.