Modern business checking
Banking for everyone.
A business checking account for every industry — including the ones other banks turn away. Earn 2% APY in rewards on your balance, with ACH and wire built in. One flat price. No surprises.
Who we serve
Built for the "too-risky-to-bank" list.
If your business gets declined, offboarded, or frozen by traditional banks, you're exactly who we built this for. We onboard lawful, licensed businesses across industries other providers avoid.
Crypto & Web3
Exchanges, OTC desks, miners, DAOs, and token projects.
Payments & MSBs
Money transmitters, PSPs, and licensed remittance operators.
Gaming & iGaming
Licensed online gaming, sportsbooks, and skill-gaming platforms.
Adult & creator platforms
Content platforms and creator-economy businesses.
Nutra & supplements
Supplement brands, subscriptions, and high-volume DTC.
CBD & hemp
Lawful hemp-derived products and ancillary services.
Firearms & ammunition
Licensed FFL dealers and lawful sporting-goods retail.
Travel & ticketing
Agencies, OTAs, and event businesses with chargeback exposure.
Collections & lending
Debt collection, factoring, and alternative lenders.
Don't see your industry? Apply anyway — most lawful high-risk businesses qualify. All accounts are subject to KYC, KYB, and AML review.
How it works
From application to moving money in days, not months.
Apply & verify
Tell us about your business and complete KYB/KYC. We underwrite high-risk on purpose, so being in a tough industry isn't a dealbreaker.
Fund your account
Add money by ACH or wire and it's ready to use right away. Your balance starts earning rewards from day one — no minimums.
Spend, send & earn
Pay vendors and receive customer payments over ACH and wire, around the clock, and earn 2% APY in rewards on the balance you hold.*
Rewards
Your idle balance shouldn't sit idle.
Most business accounts pay you nothing to hold your money. We pay 2% APY in rewards on your account balance — accrued daily, paid straight to your account, with no lock-ups and no minimums.
- ✓Accrues daily, so every dollar works from day one.
- ✓No lock-ups. Your balance stays fully available for ACH and wire transfers.
- ✓Paid automatically straight to your account balance.
Pricing
One flat monthly price.
$45 a month for your account — no tiers and no "high-risk surcharge" surprises. Transfer fees (like wires, FX, and on/off-ramp) are billed separately, and we show them up front.
- ✓2% APY rewards on your account balance*
- ✓ACH transfers in and out · fee applies
- ✓Domestic & international wires · fee applies
- ✓USDC on/off ramp, settling 24/7 · fee applies
- ✓High-risk industries welcome
- ✓No minimum balance, no lock-ups
The $45/month covers your account. Transfer fees — such as wires, FX, and on/off-ramp — are billed separately and shown before you send. See terms.
FAQ
The questions high-risk founders actually ask.
No. OverFloat is a financial technology company, not a bank, and does not accept deposits or provide banking services directly. Account, custody, and payment services are provided by licensed and regulated partners. Your balance is held as stablecoins, not as bank deposits, and is not FDIC insured. Stablecoin balances are subject to risk, including loss of principal.
Dollars you deposit are converted to and held as regulated stablecoins such as USDC, which are designed to maintain a 1:1 value with the U.S. dollar and are backed by reserves held by the stablecoin issuer. Custody and money movement are handled by our licensed partners. Because your balance is in stablecoins rather than a bank deposit, standard deposit insurance does not apply.
The 2% is an annual percentage yield (APY) — the annualized rate you earn on your balance over a year. It's a rewards program, not interest paid by a bank. We pay rewards on the stablecoin balance you hold, accrued daily and paid to your account. The rate is variable, not guaranteed, and may change at any time. It is not a promise of yield and does not remove the risks of holding stablecoins.
We onboard lawful businesses across most high-risk categories — crypto, payments/MSBs, licensed gaming, adult and creator platforms, nutraceuticals, lawful hemp/CBD, licensed firearms dealers, travel, collections, and more. Every business must operate legally in its jurisdiction and pass our KYB, KYC, and AML checks. We do not support unlawful activity.
Most businesses complete verification within a few business days, depending on your industry and documentation. Once approved, you can fund by ACH, wire, or USDC transfer, and send or receive dollars over ACH and wire. USDC transfers settle around the clock, including nights and weekends.
The flat $45 monthly fee covers your account, access to the platform, and the 2% APY rewards program. Transfer fees are separate — sending a wire, currency conversion, and on/off-ramp all carry their own fees, which are disclosed before you confirm a transfer and in your account terms. ACH, wire, and on/off-ramp capabilities are available on every account.
Stop getting turned away.
Open a business account built for your industry — with rewards on your balance and the money rails you actually need.