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

Why Pros Trust Hearth Banking

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

Open Your Checking Account in 3 Simple Steps

Apply for a banking account

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

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.

Earn 1% cash back

Get cash back on transactions made with your Hearth Visa® Debit Card.*

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 an invoice from the Hearth Mobile App and add digital payment collection.


Funds are typically deposited within 24–48 hours of approval.

If there are no funds available in your Hearth Banking account, your payment will decline, and you will have to find an alternative form of payment. 

Creating a Hearth Bank Account does not affect your credit score. 

In order to not be charged a fee, either (1) a $2,000 minimum balance is required during each day in the statement period, (2) deposit at least $2,000 into your account during the statement period. For more information, please see section Hearth Deposit Account Agreement (1.7).

However, there is no minimum balance requirement to open an account.

There may be fees associated with your use of your Hearth Debit Card at a non-participating ATM. Please refer to the account agreement for any fees that may apply to your use of the card or account. 

There are no limits for direct deposits. There is a limit of $15,000 daily and $100,000 a month for ACH payments. Cash deposits are limited to $1,000 per transaction and $2,000 per day.

We do not provide checks for Hearth Banking accounts. 

Federal law requires all financial institutions to obtain, verify and record information used to identify each person who opens an account. Business verification documents are needed to verify your identity and to comply with federal law.

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

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