Banking that moves as fast as your ecommerce brand
No fees, no hassle—just banking designed to help brands thrive.
Highbeam is a financial technology company, not a bank.
Banking services provided by Thread Bank, Member FDIC.
.avif)
Reimagining banking for brands
.png)
Highbeam isn’t just banking. They're a strategic partner that truly understands the unique challenges of growing a brand.
Highbeam has an amazing team, some of the best banking UX I've ever seen, and amazing interest rates on our high yield account. We couldn't ask for more.
.png)
Maximize your earnings, automatically
Earn up to 4.04% annual percentage yield1 as your balance grows, with automated fund transfers to high yield savings accounts ensuring your money is always working for you.
A delightful banking experience
Leave clunky, outdated platforms behind. Highbeam’s intuitive interface is designed with your brand’s needs in mind, making banking a pleasure, not a chore.
Dedicated support, whenever you need it
Our best-in-class customer service means you’re never alone. With dedicated account management, we’re always here to support your brand’s success.
If banking was built for brands, we would expect...
Automated earnings
Earn interest up to 4.04% APY in all high yield savings accounts and up to 2.02% APY on all checking accounts.1 Set up auto-sweep rules to maximize yield with manual effort.
$3M FDIC insurance2
Building a brand can require carrying a large bank balance. Deposits are FDIC-insured up to $3M through our partner bank, Thread Bank, member FDIC.
No-fee banking
Save on domestic wires, ACH payments, and account fees that cost your business thousands, to re-invest into your brand.
Superior customer service
We know it’s frustrating to get a hold of your bank when you need them most. We’re always here for you–call, text, or an email away.
Highbeam gives you the best-in-class features, for free
Here’s how we stack up against the banks you’re used to dealing with.
.png)
Banking that's built for brands
High yield checking and savings accounts, best-in-class customer service, and no fees to drive more profit.
FAQs
Highbeam is open to ecommerce and omni-channel brands. To be eligible, you must be a U.S. company with the following:
- Personal identification documents from the business owner
- The business’s Employer Identification Number
- Business name, industry, address, email, and telephone number
- Registration certificates, business licenses, and/or articles of incorporation
Yes, your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program here and a list of program banks here. You can learn more about FDIC insurance on the FDIC website.
We believe in transparent, accessible financial services. Because of that, there are no hidden fees or costs. That is, no minimum account balance needed, no ACH, domestic wire or overdraft fees, and no monthly or annual fees. Advanced features such as Highbeam Capital charges a flat interest rate on loans, clearly called out as APR. International transfers sent in USD have a flat fee of $20 to cover SWIFT charges and non-USD transfers are free after currency exchange. International transactions made via Highbeam cards incur a 1% fee that’s charged by Visa.
Yes, ACH (electronic transfers) are free with any Highbeam account.
Yes, domestic wire transfers are free with any Highbeam account.
Yes, we support international wire transfers. USD transfers have a flat fee of $20 to cover SWIFT charges and for non-USD transfers Highbeam provides no-fee currency exchange.
Yes, you can use electronic check deposits for free with any Highbeam account.
