Cover business expenses, access funds, and move money whenever you need to.
Ways to pay
With Square Debit Card, your Square sales are automatically ready to spend — digitally or in person.Learn more
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 with your debit card, via account and routing numbers, bank transfer, or send payments for expenses with Square Bill Pay.Learn more
Transfer funds instantly to an external bank account for a 1.75% fee — even on weekends and holidays.¹Learn more
Print a digital check or email a PDF version to cover bills and pay vendors.Learn more
As 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 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.²Learn more
Once approved for a Square loan, access it in your Square Checking account instantly.
Easily deposit checks from your phone using the Square POS app — from anywhere, anytime.Learn more
Add money to your account for free with a debit card or ACH transfer.Learn more
Get access to reports that break down sales and visibility into spending from your Square dashboard and POS.
Make the best decisions for your business
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.Learn more
Your deposits are FDIC-insured up to $250,000.*
Easily transfer funds instantly across multiple Square Checking and Square Savings³ accounts for better budgeting and control over cash flow.
Free of the usual account fees
|Square sales instantly funded
|Monthly service or maintenance fees
|$10-$16 per month or min. deposit required
|Minimum opening deposit
|$35 per item
|Minimum balance requirement
|Foreign transaction fee
|$0 charged by Square. ATM operator fees may apply
|$3-$5 plus ATM operator fees
Hear from business owners like you
“It’s just so easy transferring and accessing funds once Square drops it in the bank account, and having that available to hold funds and even use as a Checking account — that’s amazing.”
Nigel Louis of Station RBNY
Rockaway Beach, NY
“We use our Square Checking account to take care of our payroll, our taxes, and different expenses that come up here and there. It’s a great tool to help us streamline all our financials.”
Juan Saravia of La Pupusa Urban Eatery
Los Angeles, CA
“Once we realized all of our needs can be met with Square, and their banking services, there really was no need to continue our relationship with our current bank. Since all of our sales integrate with Square, it just made sense to just transfer everything over.”
Lauren Borden of Delano Nursery
SF Bay Area, CA
Get the checking account made for Square business owners
Sign up for Square Checking in just 2 minutes.
Skip the daunting paperwork.