Bank Accounts
Simple, flexible, powerful accounts
Open an account for your use case. Get FDIC insurance, unlimited account numbers and an intuitive transaction ledger.
Unlimited account numbers
Accounts and account numbers are separate and composable. Every account number is fully routable and supports both debits and credits.
Accounts open instantly
Accounts open instantly and are usable as soon as you create them, every hour of every day.
All shapes and sizes
We support demand deposit accounts, For-Benefit-Of (FBO) accounts, custodial accounts, trust accounts, joint accounts and more.
Automatic oversight
KYC is key. We programmatically verify identities, unblocking you to move and scale faster.
Interest
Platforms with large volumes may be eligible to earn interest on stored funds. Corporate cash always does.
Transparent funds availability
Full visibility into holds on reversible ACH transfers. Set up a reserve for high-velocity use cases.
Limits
Programmable limits can help you protect funds from fraud and unintentional spend.
Statements
Statements are generated automatically. Download from the dashboard or via API.
Open an account without ever leaving your keyboard
Open bank accounts with a single API call.
  • Accounts and account numbers are separate.
  • Available to use immediately.
  • Funds are insured by the FDIC.
curl -X "POST" \ --url "${INCREASE_URL}/accounts" \ -H "Authorization: Bearer ${INCREASE_API_KEY}" \ -d $'{ "name": "New Account!" }'
Clockwork ledgering
  • Create an account via the dashboard or a call to POST /accounts.
    Accounts open synchronously.
  • We send you an account.created webhook.
  • Create an account number via a call to POST /account_numbers.
  • We send you an account_number.created webhook.
{ "balances": { "current_balance": 0, "available_balance": 0 }, "created_at": "2020-01-31T23:59:59Z", "currency": "USD", "entity_id": "entity_n8y8tnk2p9339ti393yi", "informational_entity_id": null, "id": "account_in71c4amph0vgo2qllky", "interest_accrued": "0.01", "interest_accrued_at": "2020-01-31", "name": "My first account!", "status": "open", "type": "account" }
{ "balances": { "current_balance": 0, "available_balance": 0 }, "created_at": "2020-01-31T23:59:59Z", "currency": "USD", "entity_id": "entity_n8y8tnk2p9339ti393yi", "informational_entity_id": null, "id": "account_in71c4amph0vgo2qllky", "interest_accrued": "0.01", "interest_accrued_at": "2020-01-31", "name": "My first account!", "status": "open", "type": "account" }
Modern Treasury
Increase has been an invaluable banking partner to Modern Treasury. They support innovative, fast growing customers looking for high quality banking technology, and get our mutual customers moving money quickly. They understand the importance of speed to market and provide the right tools for building financial products.
Dimitri Dadiomov
CEO, Modern Treasury

Bank accounts and banking services are provided by Increase’s partner banks, members FDIC.