Whether you’re a brand-new sole proprietor or an established company, Azlo offers financial tools to help you grow your business.
Open your Azlo account anywhere in the U.S., right from your phone or computer.
We don’t have balance requirements, and we don’t charge maintenance fees or overdraft fees.
Azlo accounts are FDIC-insured through our partner bank (BBVA USA, Member FDIC).
Manage your business finances anywhere with the Azlo web and mobile apps.
Banking services provided
by BBVA USA, Member FDIC.
Send payments directly to your payee’s bank account, or mail them a check with the Azlo app.
All Azlo accounts come with two main options to transfer money:
Tag and track business purchases for easier accounting. Withdraw cash, fee-free, at any of the 55,000 ATMs in our partner network. Block or unblock your card, in seconds, with the Azlo app.
Connect Azlo to popular accounting software like QuickBooks Online, Xero, and Wave to automatically import your transactions.
We’ve integrated with Kabbage, Stripe, Square, and PayPal to offer unique add-ons, like streamlined lending options and the ability to view all your accounts in one place.
Make personalized invoices and email them to your clients through the Azlo mobile app. Accept card payments through Stripe, Square, or PayPal, or have your clients send you a check or bank transfer.
Deposit checks in minutes, wherever you are, with the Azlo mobile app. Funds are usually available in 1-6 business days and holds typically decrease as you build deposit history. Learn more about mobile deposits.
We offer accounts to a wide range of businesses, including sole proprietors, corporations, limited liability companies, and general partnerships. However, we cannot offer accounts to businesses that are involved with gambling, money services, privately-owned ATMs, sales of marijuana or its derivatives, precious metals, pawn shops, or cryptocurrency exchanges.
We do have some basic eligibility requirements for business owners.
You can fill out an application online, in just a few minutes. Click here to get started. We will ask you for basic information about yourself and your business, and we may ask for a copy of certain business formation or registration documents. You can learn more about the documents we may request here.
Once you submit the application, our team will review it within 1-2 business days and let you know if we’re able to make a decision right away or if we need a few more details.
Azlo business bank accounts are fee-free: we don’t charge overdraft fees, maintenance fees, card replacement fees, or anything of the sort.
Add-on services, such as Instant Transfers, have per-transaction charges to cover processing costs. For more information and a breakdown of these charges, see our Agreements & Policies Page for our Small Business Account Disclosures. Also, keep in mind that if you use an Azlo account with other services or companies, they may charge a fee. For example, if you accept payments for Azlo invoices via Stripe, Stripe fees will apply.
Yes, there are limits on certain types of transactions. Here’s a quick overview of the limits you should be aware of:
There are no limits on mailed check deposits, incoming wires, or bank-to-bank (ACH) transfers initiated by other financial institutions.
Processing times can vary, but as a general rule, you can expect the following timelines to apply.
The timeline for any deposits or transfers that are initiated by other institutions (such as payments from clients or transfers that you initiate through another bank account) will depend on the sending institution.
We don’t currently have the ability to send international payments or transfers. We are planning to offer this option in the future; in the meantime, it is possible to use dedicated international transfer services to debit funds from your Azlo account and send these funds internationally.
You can send invoices to clients directly from within your Azlo account. Right now, there are three payment options for invoices; your clients can mail you a check, send a wire or bank transfer to your Azlo account, or pay via credit or debit card.
A note on card payments—these are enabled by our integration with payment processors, so this option is only available if you have a Stripe, Square, or PayPal account connected to Azlo. Normal fees from these services will apply.
Azlo does not offer checkbooks and checks with your Azlo account and routing number printed on them will not work. We do offer a couple of great alternatives to checkbooks, though. Both are entirely free to use.
We cannot accept cash deposits because we operate online and we don’t have branches. As a result, we generally aren’t a good fit for businesses that regularly deal with cash.