Open your account in 7 minutes. Send wires in seconds. Earn 3.5% APY on balances up to $1M. No monthly fees, no minimums, no nonsense.
From solo founders to series C startups, Meridian handles the money so founders can focus on building.
One account for checking, savings, cards, and payments. Built for founders who hate switching tabs.
Earn competitive yield on every dollar up to $1M, paid out monthly. No minimums, no lockups, no fine print.
Domestic and international wires, on us. Most banks charge $25-$50 per wire — we charge zero. Send as many as you need.
Generate unlimited virtual cards with custom spend limits. Perfect for ads, SaaS subscriptions, and contractor spending.
Two-way sync with QuickBooks, Xero, and NetSuite. Every transaction categorized automatically with AI-powered rules.
Issue cards to teammates with custom limits. Approve expenses in one tap. Export reports by team, project, or vendor.
Build custom workflows with our REST API. Listen for transactions, balance changes, and card events via webhooks in real time.
We use the same encryption as the major banks, plus a few things they haven't gotten around to yet.
Your deposits are insured through our partner banks, far beyond the standard $250k limit.
All data is encrypted with AES-256, the same standard used by the U.S. government for classified information.
Face ID, Touch ID, or hardware key required for every login and every transaction over $1,000.
Every transaction is scored by AI in under 100ms. Suspicious activity freezes your card instantly and pings your phone.
Start free. Upgrade when you grow. Cancel anytime.
For solo founders and side projects.
For funded startups and growing teams.
For series B+ companies with custom needs.
From day-one startups to public companies.
"Switched from a big-4 bank and never looked back. The virtual cards alone save us 8 hours a month in expense reconciliation. Wires are free and instant. APY is 10x what Chase paid us."
"Opened our account on a Tuesday, sent our first wire Wednesday morning. The team controls let me issue cards to contractors in 30 seconds with custom limits. The accounting sync with QuickBooks is flawless."
"We were paying $400/month in wire fees alone at our old bank. Meridian cut that to zero and the 3.5% APY on our operating account adds five figures a year in passive income. Switching was a no-brainer."
Everything you need to know before opening an account.
About 7 minutes for most businesses. You'll need your EIN, business formation documents, and ID for the beneficial owners. Once approved, your account is live immediately and you can start sending wires the same day.
Yes. Deposits are FDIC insured up to $5M through our partner banks, far beyond the standard $250k limit. Insurance applies per depositor, per institution, per ownership category.
No. The Starter plan is genuinely free — no monthly fee, no minimum balance, no per-transaction fees. The Growth plan is $49/month flat. International wires are free on Growth and Scale plans.
Yes, on Growth and Scale plans. Issue unlimited virtual cards with custom spend limits, merchant restrictions, and expiration dates. Every transaction appears in real time and can be auto-categorized to a project or department.
We have native two-way sync with QuickBooks Online, Xero, and NetSuite. Transactions appear in your accounting software within seconds. AI categorization learns from your past transactions and gets smarter over time.
Freeze your card instantly from the app. We'll overnight a replacement physical card and issue a new virtual card number immediately. Our fraud team monitors 24/7 and proactively freezes suspicious transactions before they settle.
Join 80,000+ businesses banking smarter with Meridian.