Grow your money with 5.00% APY^**

Industry-leading APY, no monthly fees, and seamless payments—QuickBooks works harder for those who work for themselves.

Computer showing a QuickBooks Checking savings Envelope where money is set aside for a rainy day and new equipment.

QuickBooks and Intuit are a technology company, not a bank. Banking services provided by Green Dot Bank.

Manage your business money

Open a business bank account that earns high-yield interest, get paid fast, and stay on budget.

A phone showing a QuickBooks Checking savings Envelope where money is set aside for a rainy day.

Every dollar put away in savings envelopes earns you interest at over 70x the US average. Build your rainy-day fund and rest easy knowing your money’s working, even when you’re not.¹

A phone showing a digital invoice that’s ready to be paid.

Send a personalized invoice or payment link and let customers pay by card, ACH bank transfer, Apple Pay®, PayPal, or Venmo. Eligible payments are deposited sooner, at no extra cost.**

Cash flow chart highlighting recent money updates, including a increase in money in.

See your business money come in and out over time, so you can make smart business decisions, reflect on historical data, and pivot as you grow.

Business owner looking at her phone, smiling.

NEW

QUICKBOOKS MONEY

The first money tool for you

Start simple with QuickBooks Money. Get paid, manage your business money, and earn 5.00% APY on savings envelopes—no subscription or monthly fees.**

Tools that grow with you

If you need accounting tools and more, we have everything you need to manage your books and your business.

Find a plan that’s right for you

Get paid and manage business money with all our plans.

If you need accounting, we have plans for that, too.

Manage money

Manage money and accounting

QuickBooks Money

Money management features without the bookkeeping.

$0/mo

Just pay per transaction

Manage money

Business bank account

Get a business bank account that’s free to open—with no monthly fees and no minimum balances.**

Earn 5.00% APY

Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.

NEW

Accept payments

Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.

Payment transaction rates

Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.

Invoices

Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.

Same-day deposit

Eligible payments land in your bank account the same day—nights, weekends, and holidays—so you can access cash fast at no extra cost.**

Business Network

Sync with customers, see their contact info, send invoices, and accept and track payments with ease.

Cash flow history

See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.

QuickBooks Simple Start

Start with basic bookkeeping and money management tools.

Save 50% for 3 months*

Buy now

Manage money

Business bank account

Open a QuickBooks Checking account for free—there’s no monthly fees or minimum balance.**

Earn 5.00% APY

Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.

NEW

Accept payments

Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.

Payment transaction rates

Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.

Invoices

Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.

Instant deposit

Get instant access to eligible payments no matter what time of day you get paid.**

Business Network

Sync with customers, see their contact info, send invoices, and accept and track payments with ease.

Cash flow history

See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.

Cash flow planner

See all your business balances on one dashboard.

In-person payments

Let customers insert, tap, or use digital wallets to make in-person payments seamless.**

Recurring invoices

Automate recurring invoices and give your customers the option to set up automatic payments.

Estimates

Customize estimates, accept mobile signatures, see estimate status, and convert estimates into invoices.

Get an invoice advance

Finance qualified invoices so you have cash when you need it most.

Business loan

Explore funding options with competitive rates—no hidden fees and no surprises.

Manage accounting

Free guided setup

A QuickBooks expert can help you set up your chart of accounts, connect your banks, and show you best practices.

Income and expenses

Securely import transactions and organize your finances automatically.

Tax deductions

Share your books with your accountant or export important documents.**

General reports

Run and export reports including profit & loss, expenses, and balance sheets.*

Receipt capture

Snap photos of your receipts and categorize them on the go.**

Mileage tracking

Automatically track miles, categorize trips, and get sharable reports.**

Track sales

Accept credit cards anywhere, connect to e-commerce tools, and calculate taxes automatically.**

Contractors

Assign vendor payments to 1099 categories, see payment history, prepare and file 1099s from QuickBooks.**

Connect 1 sales channel

Connect 1 online sales channel and automatically sync with QuickBooks.

QuickBooks Essentials

Manage accounting, business money, and automate work.

Save 50% for 3 months*

Buy now

Manage money

Business bank account

Open a QuickBooks Checking account for free—there’s no monthly fees or minimum balance.**

Earn 5.00% APY

Every dollar put away in savings envelopes earns you interest at over 70x the U.S. average.

NEW

Accept payments

Give customers flexible ways to pay—via PayPal,** Venmo, Apple Pay®, credit, debit, or ACH payments.

Payment transaction rates

Get 1% per transaction for every ACH payment and 2.99% per transaction for each online invoice.

Invoices

Send instantly payable invoices, schedule recurring invoices, track their status, send payment reminders, and match payments to invoices—automatically.

Instant deposit

Get instant access to eligible payments no matter what time of day you get paid.**

Business Network

Sync with customers, see their contact info, send invoices, and accept and track payments with ease.

Cash flow history

See your business money come in and out over time, so you can make smart business decisions and pivot as you grow.

Cash flow planner

See all your business balances on one dashboard.

In-person payments

Let customers insert, tap, or use digital wallets to make in-person payments seamless.**

Recurring invoices

Automate recurring invoices and give your customers the option to set up automatic payments.

Estimates

Customize estimates, accept mobile signatures, see estimate status, and convert estimates into invoices.

Get an invoice advance

Finance qualified invoices so you have cash when you need it most.

Business loan

Explore funding options with competitive rates—no hidden fees and no surprises.

Manage bills

Organize and track your business bills online.

Manage accounting

Free guided setup

A QuickBooks expert can help you set up your chart of accounts, connect your banks, and show you best practices.

Income and expenses

Securely import transactions and organize your finances automatically.

Tax deductions

Share your books with your accountant or export important documents.**

Enhanced reports

Run and export reports including profit & loss, expenses, and balance sheets.*

Receipt capture

Snap photos of your receipts and categorize them on the go.**

Mileage tracking

Automatically track miles, categorize trips, and get sharable reports.**

Track sales

Accept credit cards anywhere, connect to e-commerce tools, and calculate taxes automatically.**

Contractors

Assign vendor payments to 1099 categories, see payment history, prepare and file 1099s from QuickBooks.**

Connect 3 sales channels

Connect up to 3 online sales channels and automatically sync with QuickBooks.

Enter time

Enter employee time by client/project and automatically add it to invoices.

Important offers, pricing details and disclaimers

DJ Chris Santos smiling next to a a box of records.

“Having everything centralized and visible will allow me to grow where I want my business to grow.”

Chris Santos, DJ Flow,
Real customer paid for his time

See story

Build your knowledge

Visit the blog

Coffee shop owner taking a cash payment from a customer.

Choose the best payment method

The best small business payment method depends on many factors. As you think about the best method, consider the size of your transactions, who’s handling the money, and your accounting system.

Founder of Harlem Chocolate Factory Jessica Spaulding and her coworker smiling.

Money management lessons

Jessica Spaulding, founder of Harlem Chocolate Factory, has figured things out along the way. In this episode, she recalls a few of her early money management mishaps, and 3 big lessons learned.

Frequently asked questions

What’s the difference between QuickBooks Online and QuickBooks Money?

I already have a QuickBooks account. Where can I go for help?

If I sign up for QuickBooks Money can I upgrade to QuickBooks Online later?

Manage money your way

Explore QuickBooks solutions to find the right tools to help you grow.

Important offers, pricing details and disclaimers

QuickBooks and Intuit are a technology company, not a bank. Banking services provided by our partner, Green Dot Bank, Member FDIC.

QuickBooks Term Loan ("Term Loan") is issued by WebBank and powered through QuickBooks Capital.

*Offer terms

QuickBooks Products: Offer available for QuickBooks Online. The offer includes either a free trial for 30 days ("Free Trial for 30 Days") or a discount for 3 months of service ("Discount") (collectively, the "QuickBooks Offer"). QuickBooks Live Bookkeeping is not included in the QuickBooks Offer.

QuickBooks Online Free 30-day Trial Offer Terms: First thirty (30) days of subscription to the QuickBooks Products, starting from the date of enrollment is free. At the end of the free trial, you’ll automatically be charged and you’ll be charged on a monthly basis thereafter at the then-current price for the service(s) you’ve selected until you cancel. If you add or remove services, your service fees will be adjusted accordingly. Sales tax may be applied where applicable. To be eligible for this offer you must be a new QBO customer and sign up for the monthly plan using the "Free 30-Day Trial" option. This offer can't be combined with any other QuickBooks offers. Offer available for a limited time only. To cancel your subscription at any time go to Account & Settings in QBO and select "Cancel." Your cancellation will become effective at the end of the monthly billing period. You will not receive a pro-rated refund; your access and subscription benefits will continue for the remainder of the billing period. Terms, conditions, pricing, special features, and service and support options subject to change without notice.

Discount offer: Discount applied to the monthly price for the QuickBooks Products is for the first 3 months of service, starting from the date of enrollment, followed by the then-current monthly list price. To be eligible for this offer you must sign up for the monthly plan using the "Buy Now" option.

Offer terms: Your account will automatically be charged on a monthly basis until you cancel. If you add or remove services, your service fees will be adjusted accordingly. Sales tax may be applied where applicable. This offer can't be combined with any other QuickBooks offers. Offer only available for a limited time and to new QuickBooks customers only. Terms, conditions, pricing, special features, and service and support options subject to change without notice.

Cancellation terms: To cancel your QuickBooks Products subscription at any time go to Account & Settings in QuickBooks and select "Cancel." Your QuickBooks Products cancellation will become effective at the end of the monthly billing period. You will not receive a pro-rated refund; your access and subscription benefits will continue for the remainder of the billing period.

**Product information

QuickBooks Payments: QuickBooks Payments account subject to eligibility criteria, credit, and application approval. Subscription to QuickBooks Online required. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.

QuickBooks Money: QuickBooks Money is a standalone Intuit offering that includes QuickBooks Payments and QuickBooks Checking. Intuit accounts are subject to eligibility criteria, credit, and application approval. Banking services provided by and the QuickBooks Visa® Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. QuickBooks Money Deposit Account Agreement applies. Banking services and debit card opening are subject to identity verification and approval by Green Dot Bank. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

QuickBooks Card Reader: Data access subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance. Product registration and QuickBooks Payments account required. Terms, conditions, and features subject to change.

QuickBooks Payments and QuickBooks Checking accounts: Users must apply for both QuickBooks Payments and QuickBooks Checking accounts when bundled. QuickBooks Payments’ Merchant Agreement and QuickBooks Checking account’s Deposit Account Agreement apply.

QuickBooks Checking account: Banking services provided by and QuickBooks Visa® Debit Card are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association.Green Dot Bank operates under the following registered trade names: GoBank, Green Dot Bank and Bonneville Bank. Registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage. Account funds are FDIC-insured up to the allowable limits upon verification of Cardholder’s identity. Green Dot is a registered trademark of Green Dot Corporation. ©2023 Green Dot Corporation. All rights reserved. QuickBooks products and services, including Instant Deposit, QuickBooks Payments, next-day deposit are not provided by Green Dot Bank.

Apple Pay: Apple Pay is a registered trademark of Apple Inc.

Google Pay: Google Pay is a trademark of Google LLC.

PayPal and Venmo: Not currently available on invoicing through QuickBooks Online Advanced subscription.

Venmo is available only in the US.

QuickBooks Online System Requirements: QuickBooks Online requires a computer with a supported Internet browser (see System Requirements for a list of supported browsers) and an Internet connection (a high-speed connection is recommended). Network fees may apply.

Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services. For more information about Intuit Payments' money transmission licenses, please visit https://www.intuit.com/legal/licenses/payment-licenses/.

**Features

Automatic matching: QuickBooks Online will only match bank deposits with transactions processed through QuickBooks Payments. Not all transactions are eligible and accuracy of matches is not guaranteed.

Pay-enabled invoices: Requires a separate QuickBooks Payments account which is subject to eligibility criteria, credit and application approval. E-invoicing QuickBooks Payments is an optional fee-based service. Additional fees may apply. Additional terms and conditions apply.

Payment links: Payment links require a QuickBooks Online Payments account and are subject to the same pricing terms including card-swiped fees, card-keyed fees, bank transfer/ACH fees and check transactions fees. See Important Info, Pricing, Acceptable Use Policy and Merchant Agreement.

Automatic sales tax: Underlying sales tax rates are estimated based on the location information associated with each individual transaction. Additional factors that may impact sales tax rates include product type, date, and customer type. Customers need to validate tax information prior to filing their tax returns with the IRS.

Instant deposit: Instant deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, including delayed eligibility for new users and availability for only some transactions and financial institutions. The service carries a 1% fee in addition to standard rates for ACH, swiped, invoiced, and keyed card transactions. This 1% fee does not apply to payments deposited into a QuickBooks Checking account. Deposits are sent to the financial institution or debit card that you have selected to receive instant deposits. Scheduled instant deposits are run automatically; QuickBooks checks for eligible funds up to 5 times per day. Non-scheduled instant deposits are sent within 30 minutes. Transactions between 2:15 PM PT and 3:15 PM PT are excluded and processed next day. Deposit times may vary due to third party delays.

Same-day deposit: Same Day Deposit allows you to have near-real time deposits sent to you on a predetermined daily schedule (up to 3x a day, Monday through Sunday, including holidays). Same Day Deposit is an additional service offered by QuickBooks Payments subject to eligibility criteria, for no extra fee for QuickBooks Money users. QuickBooks Money payment request fees apply for ACH and card transactions. Once batched, eligible deposits will be sent to your QuickBooks Money account, and will be available in up to 30 minutes. Transactions between 2:15-3:00 pm PST are excluded and transactions after 9:00 pm PST will be available for deposit the following morning. Deposit times may vary for third party delays.

QuickBooks Card Reader: Intuit and QuickBooks are trademarks of Intuit Inc. and other parties' marks are property of their respective owners. Data access is subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance. Product registration and QuickBooks Payments account required. Account subject to eligibility criteria, credit and application approval. Terms, conditions, features and services are subject to change. Use is subject to important terms of service and licenses information: quickbooks.intuit.com/payments/legal/.

QuickBooks Visa Debit Card is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Green Dot is a registered trademark of Green Dot Corporation. ©2023 Green Dot Corporation. All rights reserved. QuickBooks products and services are not provided by Green Dot Bank.

Screen images simulated. QuickBooks Card Reader made in Thailand.

Fast funding: Loans are typically deposited within 1-2 business days. Actual funding time can vary depending on third party processing time.

No additional processing fees when clients pay invoices through QuickBooks Payments within the first 30 days: This feature isn’t available for customer invoice payments made through GoPayment, Pay links, or QuickBooks Online Receive Payment experience.

QuickBooks Business Network: The AP Automation feature is not available for Simple Start customers. Use of the QuickBooks Business Network for spam, marketing, or other activities which violate applicable Intuit Terms of Service is strictly prohibited. You may only view and connect with other QuickBooks Business Network members located in your geography. All Business Information is provided by QuickBooks Online customers and is not independently verified or endorsed by Intuit. Intuit reserves the right to limit your use of the QuickBooks Business Network, including your ability to connect with other members and be listed in the Network per our Intuit Terms of Service.

Annual percentage yield: The annual percentage yield (“APY”) is accurate as of December 31, 2023 and may change at our discretion at any time. The APY is applied to deposit balances within your primary QuickBooks Checking account and each individual envelope. We use the average daily balance method to calculate interest on your account. See Deposit Account Agreement for terms and conditions.

Envelopes: You can create up to 9 Envelopes within your primary QuickBooks Checking account. Money in Envelopes must be moved to the available balance in your primary QuickBooks Checking account before it can be used. Envelopes within your primary QuickBooks Checking account will automatically earn interest once created. At the close of each statement cycle, the interest earned on funds in your Envelopes will be credited to each Envelope in proportion to the average daily balance of each Envelope. See Deposit Account Agreement for terms and conditions.

No minimum balances or monthly fees: There are no minimum balance requirements to open or maintain this account or obtain the listed APY. Other fees and limits apply. See Deposit Account Agreement for details.

No monthly fees: Other fees and limits apply to the business bank account. See QuickBooks Money Deposit Account Agreement for details.

Fee-free ATM withdrawals: Fee-free ATM access applies to in-network AllPoint ATMs only (up to 4 withdrawals per statement cycle). For out-of-network ATMs and bank tellers, a $3 fee will apply, plus any additional fees charged by the ATM owner or bank. See app for fee-free ATM locations.

Cash flow planner: Cash flow planning is provided as a courtesy for informational purposes only. Actual results may vary.

Bill Pay: QuickBooks Bill Pay is an additional product capability to QuickBooks Payments that may require a separate subscription. Money movement services are provided by Intuit Payments Inc., licensed as a Money Transmitter by the New York State Department of Financial Services.

Competitive APY: Competitive rate information based on publicly available data for small business checking accounts provided by the largest national and online banks as of July 17, 2023 2022. APYs are subject to change at any time.

Receipt capture: Requires QuickBooks Online mobile (“QBM”) application. The QuickBooks Online mobile app works with iPhone, iPad, and Android phones and tablets. Devices sold separately; data plan required. Not all features are available on the mobile apps and mobile browser. QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost. Data access is subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance and events beyond your control. Product registration required.

Mileage tracking: Mileage tracking is only available to the master administrator of the QuickBooks Online account. Requires QuickBooks Online mobile (“QBM”) application. The QuickBooks Online mobile app works with iPhone, iPad, and Android phones and tablets. Devices sold separately; data plan required. Not all features are available on the mobile apps and mobile browser. QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost. Data access is subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance and events beyond your control. Product registration required.

Premium Apps: Apps may require a third-party subscription. Subject to additional eligibility criteria and fees.

Automated 1099 e-file & delivery: Prepare your 1099s in QuickBooks at no extra charge. If you choose the 1099 E-File Service, Intuit will e-file your Federal 1099 information with the IRS, and then print and mail a copy directly to your contractors; fees apply. As part of the paid 1099 E-File Service, we also give your contractors online access to their 1099s. State filing not included. You should check with your state agency on any state filing requirements.

Accelerated invoicing: QuickBooks Online Advanced supports the upload of 1000 transaction lines for invoices at one time. 20% faster based off of internal tests comparing QuickBooks Online regular invoice workflow with QuickBooks Online Advanced multiple invoice workflow.

Account team benefits for Priority Circle: Only available with a paid subscription. Trial customers have access to QuickBooks Online Advanced product experts.

Priority Circle: Access to Priority Circle and its benefits are available only to customers located in the 50 United States, including DC, who have an active, paid subscription to QuickBooks Desktop Enterprise. Eligibility criteria may apply to certain products. When customers no longer have an active, paid subscription, they will not be eligible to receive benefits. Phone and messaging premium support is available 24/7. Support hours exclude occasional downtime due to system and server maintenance, company events, observed U.S. holidays and events beyond our control. Intuit reserves the right to change these hours without notice. Terms, conditions, pricing, service, support options, and support team members are subject to change without notice.

Automatic data backup and recovery: QuickBooks Online uses technical and administrative security measures such as, but not limited to, firewalls, encryption techniques, and authentication procedures, among others, to work to maintain the security of your online session and information.

Mobile signatures: Requires QuickBooks Online mobile application. The QuickBooks Online mobile app works with iPhone, iPad, and Android phones and tablets. Devices sold separately; data plan required. Not all features are available on the mobile apps and mobile browser. QuickBooks Online mobile access is included with your QuickBooks Online subscription at no additional cost. Data access is subject to cellular/internet provider network availability and occasional downtime due to system and server maintenance and events beyond your control. Product registration required.

Enter time: Not available in QuickBooks Self-Employed or Simple Start.

#Claims

1. Over 70x U.S. average APY: Average interest rate: The average interest rate is based on the Federal Deposit Insurance Corporation's national rate published the week of October 16, 2023. Learn more.

Terms, conditions, pricing, special features, and service and support options subject to change without notice.