Meridian Bank

Business banking

Built for the 3 a.m. invoice, the Friday payroll, and the slow season in between.

Accounts

Pick the size of your ambition

Sole proprietors

Business Starter

$0 / month

For freelancers and side businesses that need clean books without a monthly fee eating the margin.

  • 100 fee-free transactions / month
  • Invoicing with built-in payment links
  • Tax bucket auto-set-asides
Growing teams

Business Plus

$15 / month, waived over $10k

Adds team cards, approvals, and same-day ACH for businesses with payroll and vendors to pay.

  • Unlimited transactions
  • Same-day ACH & payroll batches
  • 10 employee cards with limits
  • Two-person payment approval
Established

Treasury

Custom pricing

For finance teams managing multiple entities, currencies, and approval chains.

  • Multi-entity dashboards
  • Wire desk with same-day cutoff 6 p.m. ET
  • Dedicated banker & API access
  • Sweep accounts earning 4.10% APY
Cash flow

Get paid the day the work is done

Invoices send with a payment link, settle as soon as the same business day, and reconcile themselves. Your ledger is updated the moment money moves — not three days later in a batch file.

  • Same-day ACH at no extra cost on Business Plus
  • Card acceptance at a flat 2.6% + 15¢
  • Auto-matching to open invoices
Ask about business banking
By the numbers
4,300+local businesses bank with us
$310Min small-business loans funded
6 p.m. ETwire cutoff, latest in our market
97%of business members renew yearly
How it works

From signup to payroll in a week

1 · Apply online

Ten minutes with your EIN and formation documents. Most applications are decided within one business day.

2 · Invite your team

Issue cards with per-person limits. Your bookkeeper gets read-only access; approvers get the final say.

3 · Connect payroll

Import your payroll file or connect your provider. Same-day ACH means Friday payroll lands Friday.

4 · Grow with credit

After six months of history, members pre-qualify for lines of credit from $10,000 to $500,000.

Your banker should know your name

Tell us about your business and we will match you with a banker who has worked in your industry.

Start the conversation