Square Checking
Instantly access, spend, and manage your sales.
Not on Square yet? Join today to start a checking account.
Deposits are FDIC-insured up to $250,000.*
Cover business expenses, access funds, and move money whenever you need to.
Ways to pay
![Square Debit Card](http://images.ctfassets.net/2d5q1td6cyxq/3lFmr5qEwL2V3V6DmNL73p/ac34c3cf79568e86b307eb1dc0726ca2/PD06198_Features_MoneyOut_1SquareDebitCard_US-EN.png?fm=webp&q=40)
With Square Debit Card, your Square sales are automatically ready to spend — digitally or in person.
Learn more![Debit cards for your team](http://images.ctfassets.net/2d5q1td6cyxq/7fefluDCIJnyLlN23DasTq/c8b7b1f1ca25b51d4daac37b32e41510/PD06198_Features_MoneyOut_DebitCardsForYourTeam_US-EN-US-ES.png?fm=webp&q=40)
Get up to 5 debit cards for your business to share spending power with your team.
![Digital wallet](http://images.ctfassets.net/2d5q1td6cyxq/6hOLYsxCqkuuvYNVhex8rF/35fc01e8d2106ef2042b91272a29f93f/PD06198_Features_MoneyOut_2DigitalWallet_US-EN.png?fm=webp&q=40)
Add your Square Debit Card to Apple Pay® or Google Pay™ and use your digital wallet to pay online, in app, or in person right away.
Learn more![Pay bills](http://images.ctfassets.net/2d5q1td6cyxq/2BADZSnXM6xtCoDt1npD1z/a53c506cb30d2bd8fdd2d99b95b001af/PD06198_Features_MoneyOut_3BillPay_US-EN.png?fm=webp&q=40)
Pay bills with your debit card, via account and routing numbers, bank transfer, or send payments for expenses with Square Bill Pay.
Learn more![Instant Transfers](http://images.ctfassets.net/2d5q1td6cyxq/38O89EjkiOIjYUSTMbzy1Z/b247ef6c15a69ce395c704de8bd36b21/PD06198_Features_MoneyOut_4InstantTransfers_US-EN.png?fm=webp&q=40)
Transfer funds instantly to an external bank account for a 1.75% fee — even on weekends and holidays.¹
Learn moreAs soon as you make a sale, the money hits your account — you also get accelerated access to earnings made outside of Square.²
Ways to add funds
![Instantly access Square sales](http://images.ctfassets.net/2d5q1td6cyxq/25hNQddeXWCWT5kbWH1OCC/96b7c5426b9f5071cbc8564e777ee575/PD06198_Features_MoneyIn_1InstantAccess_US-EN.png?fm=webp&q=40)
Instantly access the sales you make with a Square Checking account — no waiting.
![Early deposit access](http://images.ctfassets.net/2d5q1td6cyxq/62NzOfsKPMZRUOEOTsMLCN/b8dff281c86bedd4beaaa973ac785bb6/PD06198_Features_MoneyIn_2EarlyDepositAccess_US-EN.png?fm=webp&q=40)
Earn money outside of Square? Automatically receive deposited funds up to 2 days faster.²
Learn more![Instantly deposit a Square loan](http://images.ctfassets.net/2d5q1td6cyxq/7g0Z1OtPe2UfajrGGp99P2/0ed06efddb7951d6d9f55e4cd6a351eb/PD06198_Features_MoneyIn_3SquareLoan_US-EN.png?fm=webp&q=40)
Once approved for a Square loan, access it in your Square Checking account instantly.
![Cash deposits](http://images.ctfassets.net/2d5q1td6cyxq/5JC1bkO5nHPPwr1CAIVWcs/07c421d66c5842de9644e185bcdbfec1/PD06198_CashDeposits_PW_Features_MoneyIn_6CashDeposits_US-EN.png?fm=webp&q=40)
Easily add cash to your account for free at nearby stores, like Kroger®, Walgreens, Dollar General, and more. Deposits are available in minutes.³
Learn moreGet access to reports that break down sales and visibility into spending from your Square dashboard and POS.
Make the best decisions for your business
![Cash flow activity](http://images.ctfassets.net/2d5q1td6cyxq/6vW6QkKBJyntlHKVjCovQC/b0b902e22290d2141c4d7344d3a4197a/PD06198_Features_Manage_1CashFlowActivity_US-EN.png?fm=webp&q=40)
View sales and spending all in one place with simplified in-app and dashboard banking reporting and activity.
![Security features](http://images.ctfassets.net/2d5q1td6cyxq/6cdVw3S1U61mF9z8wKR726/0d8fce58d913dd323cd9a77abfcbb4d3/PD06198_Features_Manage_2SecurityFeatures_US-EN.png?fm=webp&q=40)
Help safeguard your funds with high-risk spend alerts, SMS alerts, 2-step verification, and card lock.
Learn more![FDIC insurance](http://images.ctfassets.net/2d5q1td6cyxq/5zWBkrBoUHGWPNOwdQQ2u3/5d3e7325ca9f7318e24abd6ba1292ee0/PD06198_Features_Manage_3FIDCInsurance_US-EN.png?fm=webp&q=40)
Your deposits are FDIC-insured up to $250,000.*
![Transfer between accounts](http://images.ctfassets.net/2d5q1td6cyxq/2AGZREPLTWoV0uclZL84AL/e12168876265379ff14587956a650702/PD06198_Features_Manage_4TransferBetweenAccounts_US-EN.png?fm=webp&q=40)
Easily transfer funds instantly across multiple Square Checking and Square Savings⁴ accounts for better budgeting and control over cash flow.
With Square Debit Card, your Square sales are automatically ready to spend — digitally or in person.
Get up to 5 debit cards for your business to share spending power with your team.
Add your Square Debit Card to Apple Pay® or Google Pay™ and use your digital wallet to pay online, in app, or in person right away.
Pay bills with your debit card, via account and routing numbers, bank transfer, or send payments for expenses with Square Bill Pay.
Transfer funds instantly to an external bank account for a 1.75% fee¹ — even on weekends and holidays.
Instantly access the sales you make with a Square Checking account — no waiting.
Earn money outside of Square? Automatically receive deposited funds up to 2 days faster.²
Once approved for a Square loan, access it in your Square Checking account instantly.
Easily add cash to your account for free at nearby stores, like Kroger®, Walgreens, Dollar General, and more. Deposits are available in minutes.³
View sales and spending all in one place with simplified in-app and dashboard banking reporting and activity.
Help safeguard your funds with high-risk spend alerts, SMS alerts, 2-step verification, and card lock.
Your deposits are FDIC-insured up to $250,000.*
Easily transfer funds instantly across multiple Square Checking and Square Savings⁴ accounts for better budgeting and control over cash flow.
Free of the usual account fees
Square Checking | Other banks | |
---|---|---|
Square sales instantly funded | Yes; free | Not offered |
Monthly service or maintenance fees | $0 | $10-$16 per month or min. deposit required |
Minimum opening deposit | $0 | $1-$1,500 |
Overdraft fees | N/A | $35 per item |
Minimum balance requirement | $0 | $500-$5,000 |
Foreign transaction fee | $0 | 1%-3% |
ATM fees | $0 charged by Square. ATM operator fees may apply | $3-$5 plus ATM operator fees |
![](http://images.ctfassets.net/2d5q1td6cyxq/MLzniIeKah8yApM10qsfM/6f1996301f1b6cd5a6e6f8ad2476a762/PD06198_CashFlowAtFingertips_Image_US-EN.png?w=300&h=199&fm=jpg&q=85&bg=rgb%3Affffff&fit=scale&fl=progressive, //images.ctfassets.net/2d5q1td6cyxq/MLzniIeKah8yApM10qsfM/6f1996301f1b6cd5a6e6f8ad2476a762/PD06198_CashFlowAtFingertips_Image_US-EN.png?w=600&h=398&fm=jpg&q=85&bg=rgb%3Affffff&fit=scale&fl=progressive 2x)
Cash flow at your fingertips
Make purchases for your business and cover expenses with Square Debit Card. Your Square sales are automatically (and immediately) ready to spend with your card — digitally or in person.
Square Debit Card is issued by Sutton Bank, Member FDIC pursuant to a license from Mastercard International Incorporated, and may be used wherever Mastercard is accepted.
Your sales and banking. Working in harmony.
When you process payments and bank with Square, cash flow management is simplified and seamless.
![](http://images.ctfassets.net/2d5q1td6cyxq/1n8VnfvJNAA0HjwIALwOle/c0bfe7516309f8b21d91608b920e1c92/PD06198_WaysToPay_Ecosystem_BASE-300px_US-EN.png?w=300&h=434&fm=jpg&q=85&bg=rgb%3A030303&fit=scale&fl=progressive, //images.ctfassets.net/2d5q1td6cyxq/1n8VnfvJNAA0HjwIALwOle/c0bfe7516309f8b21d91608b920e1c92/PD06198_WaysToPay_Ecosystem_BASE-300px_US-EN.png?w=600&h=868&fm=jpg&q=85&bg=rgb%3A030303&fit=scale&fl=progressive 2x)
Hear from business owners like you
FAQ
Signing up for Square Checking and Debit Card is easy and takes less than two minutes! First, you need to sign up to sell with Square. Then, opening your checking account is only a few more steps.
- Go to the Balance applet in your Square Point of Sale app or Dashboard and select Square Checking
- Select Open account
- Verify your information
- Personalize your business debit card
- Confirm the shipping address for your business debit card
We recommend that you add your debit card to Apple Pay® or Google Pay™ as soon as you open your checking account, so you can start using your money while you wait for your physical card to arrive. Add your debit card to Apple Pay or Google Pay
No, we do not charge any recurring fees for Square Checking — no minimum balance fees, no services fees, no monthly maintenance fees, no overdraft fees. Square does not charge ATM fees, but third-party ATM operator fees may apply.
No, we do not have any account minimum balance requirements. There are no account opening minimum balances and no ongoing monthly balance requirements.
As soon as you finish opening your account, you can start using it right away on your Square Point of Sale app or Dashboard.
Square, Inc. is a financial services company, not a bank. Square Checking is provided by Sutton Bank, Member FDIC.
Get the checking account made for Square business owners
Sign up for Square Checking in just 2 minutes.
Skip the daunting paperwork.