Business banking, custom built for home improvement contractors

Get paid faster and earn 1% cash back on eligible Hearth Debit Card transactions with Hearth Banking.

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Hearth Banking app

Open your banking account in 3 simple steps

  • 1

    Apply for an account

    Once accepted, your business will unlock faster payments and quick cash access.
  • 2

    Get paid faster

    Send Hearth Invoices to your customers and collect payments that automatically transfer to your account: ACH payments in just one business day and credit/debit transactions in just two business days.
  • 3

    Earn 1% cash back

    Get cash back on transactions made with your Hearth Visa® Debit Card.*
Business debit card being used to make a in store purchase

Easily manage your expenses

With Hearth Banking, you can track your incoming and outgoing cash easily in your Hearth dashboard. Check your recent transactions, transfer money from your other bank accounts, and manage your Hearth Debit Card all from one place.

Take payments from anywhere

Your customers can pay you from anywhere with Hearth. You just send them a digital invoice through Hearth via email or text. They will receive reminders to pay their invoice. Once they’ve paid and the payment has processed, you can transfer your funds to your bank account. However, if you have a Hearth Banking account, you can access your cash even quicker. With Hearth Banking, you can use money from ACH (eCheck) transfers as soon as the next business day and credit card and debit card transactions as soon as two business days. That’s faster than the 4–7 business days with traditional business bank accounts.

Features that grow your business

1% cash back

for all eligible Hearth Banking transactions*

0 wait

to access your cash through your Hearth Visa® Debit Card

1 business day

for ACH payments to be available in your account

55,000 ATMs

accessible nationwide
Learn more

Hearth is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank N.A.; Member FDIC. The Hearth Visa® Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

*Subject to the Hearth Banking Promotional Program Terms and Conditions.

A fee may be charged at a non-participating ATM