When you form your LLC or corporation with us, you have the option to get a free bank account. Opening a business bank account is essential to keeping your business and personal finances separate. It helps protect your assets, simplifies bookkeeping, and reduces risks during audits.
Opening a business bank account is one of the first steps to keeping your finances clean and separate—but you can’t open one without the right paperwork. That’s why it makes sense to form your LLC, get your EIN, and set up your business banking with one provider. At LLC Attorney, we handle the formation, file for your EIN, and connect you directly with a trusted banking partner that knows exactly what you need to get started. No chasing documents, no guesswork—just one smooth process to help you go from idea to official in record time.
With LLC Attorney you get:Businesses Formed
States Served
Earned by Clients
The moment we receive your order, we get to work filing all the paperwork with the Secretary of State. When it's ready, you'll receive an email letting you know that your business is official!
When we file the documents to form your LLC with the Secretary of State, we also file a request with the IRS for your EIN so you don't lose any time.
The moment we receive your EIN, you’re eligible for a business bank account with our partner, Relay. Just let us know you’d like one, and we’ll submit the application for you—making it quick and seamless to open your account entirely online.
When you form your LLC with us, all your key business documents are stored in a secure portal you can access anytime, anywhere—no more lost paperwork.
To open your business bank account, you’ll need the following LLC documents:
Once your LLC is formed and with your approval, LLC Attorney will automatically apply for your business bank account using your EIN. The process is quick and hassle-free, so you can focus on running your business.
1. Form Your LLC and Get an EIN at the same time: We’ll file your LLC with the state and secure your EIN.
2. Set Up Your Bank Account: We securely integrate into Relay, so we will instantly submit your application for a business checking account as soon as your LLC is formed.
3. Receive Your Debit Cards: You’ll receive your physical and virtual debit cards to start managing your business finances immediately.
No Monthly Fees Unlike traditional banks, Relay Bank offers business banking with no monthly fees or minimum balance requirements.
Online Convenience Manage your business bank account entirely online, with the ability to open multiple checking accounts, send payments, and track expenses.
FDIC Insured Deposits are insured up to $3 million, giving you peace of mind as your business grows.
Profit First® Integration Relay is the official banking platform for Profit First®. Perfect for business owners looking to implement this popular cash flow management system.
When you start a business, you want to open a business checking account. You use the account to receive income and to pay business expenses. We partnered with Relay Bank because we believe it’s the most convenient way to manage your financial transactions.
| Business Checking Account | LLCAttorney & Relay Bank | Other Banks |
|---|---|---|
| Monthly service fee | $0 | $5+ |
| # of checking accounts | Up to 20 | Depends on bank |
| # of savings accounts | 2 | Depends on bank |
| # of physical and virtual debit cards | Up to 50 | Limited to the number of authorized users |
| Credit cards | ||
| Overdraft fees | $0 | $30+ |
| Secure, role-based access for team members | ||
| Receipt management | Some | |
| Mobile check deposit | Some | |
| Accounts payable services | Some | |
| 24/7 hands-on friendly support | Some | |
| Two-factor authentication and biometric security | Some | |
| FDIC insured | Up to $3M | Up to $250,000 |
| Zero Liability Protection | Some | |
| Profit First official bank | ||
| Currency exchange for outgoing international wires | varies | |
| Payments via ACH transfer, check and wire | ||
| Deposit and withdraw cash at Allpoint ATMs | Some | |
| Integrate with QuickBooks Online and Xero | Some | |
| You Pay | $0/month | Too much |
Most banks require your EIN (Employer Identification Number), formation documents (like your Articles of Organization or Incorporation), and possibly an operating agreement or bylaws.
You're not legally required to open a business bank account, but it's highly recommended. To protect your personal assets—especially if your business is ever involved in legal action—you need to keep your business and personal finances completely separate. A dedicated business account helps maintain that important legal and financial boundary.
No, most banks require an EIN to open a business account. It's usually a required field on the application.
Opening a business bank account is a key part of protecting your personal liability as an LLC owner. By only using your business account for business-related expenses and revenue, it helps ensure that if your company is ever sued, your personal assets are less likely to be at stake. Mixing personal and business finances can weaken that protection and put you at risk.
Not generally. Many online business banks support multi-state operations, especially for digital or service-based businesses.
Mixing your business and personal funds can jeopardize the liability protection you get from forming an LLC. It can also complicate taxes and bookkeeping, increasing the chance of errors. If your business is ever audited, having a dedicated business bank account can make the process much smoother and far less stressful.
We’ll file your entity within 24 business hours so you can start building your future the right way, right away.
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