Hearth is a business banking platform for founders, freelancers, and small teams. Open an account in eight minutes, get instant USD & wire transfers, and earn market-rate yield on your idle cash.
Sweep funds over a threshold into a treasury allocation that blends money market funds, T-bills, and high-grade corporate debt. SIPC + FDIC coverage up to $3M. Pull it back anytime — in two business days.
Send on-brand invoices in ten seconds. Clients pay in one tap via ACH or card. Late invoices nudge themselves — you don't need to write that awkward "just following up" email again.
Issue virtual or physical cards instantly. Set per-card limits, merchant categories, and auto-categorization rules. Every receipt captured, every expense reconciled.
We moved off Chase in a weekend. Two months later, our treasury is earning more than our founder's salary, invoices settle in seconds, and our accountant sends us actual emojis.
Treasury, cards, and investor-ready statements. Hearth is how your seed round doesn't sit in a 0.01% account.
Invoice clients in one click, get paid instantly, and keep personal and business finances properly separate.
Role-based spend controls, approvals, and deep accounting sync. Your CFO will actually ask you to keep using us.
Checking + cards, no monthly fee. Designed for individuals and early-stage teams.
Full business banking with treasury and invoicing. For teams scaling past the early days.
For teams of 20+ with multi-entity structures and custom approval workflows.
Hearth is a banking services provider in partnership with Columbia Heritage Bank, Member FDIC. Your money is held at FDIC-insured partner banks. Your data sits inside a SOC 2 Type II, HIPAA-ready infrastructure audited twice a year.
No paperwork. No personal credit check. Just an EIN, an ID, and a few signatures — and you're banking.