Bank accounts
Simple and flexible accounts
Instantly open accounts with FDIC insurance, unlimited account numbers, and an intuitive transaction ledger.
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For-Benefit-Of accounts
Store money “for the benefit of” your users with virtual sub-accounts.
Demand Deposit Accounts
Deposit, store, and send funds with traditional checking accounts.
FDIC Insurance
Access multi-million dollar insurance through a network of FDIC-insured partner banks.
Interest
Earn interest on corporate cash and eligible platform balances.
Limits
Protect funds from fraud and unintentional spend with programmable limits.
Unlimited account numbers
Create separate and unique account numbers that support both debits and credits.
Statements
Download pre-generated statements from the dashboard or via API.
Automatic oversight
We programmatically verify identities, unblocking you to move and scale faster.
Built for automation
Auto-reconcile payments with unique account numbers
Inbound payments can be hard to link to a specific counterparty because of limited details. With Increase, you can give each counterparty a unique account number. This makes it easy to automatically match them with any incoming credits or debits.
Create unlimited account numbers
Set unique permissions and limits
Fully automate your reconciliation
Unique account numbers funds flow
await increase.accountNumbers.create({
  account_id: "account_in71c4amph0vgo2qllky",
  name: "Cindy Wilson",
});
Protected
Multi-million dollar FDIC insurance
You can access millions in FDIC insurance for your cash deposits in Increase. We work with a large network of banks to programmatically sweep funds to other FDIC-insured institutions.
This sweep happens behind the scenes and never impacts your ability to spend the full amount in your Increase account.
Track your deposit placement
Exclude any institution
Enhanced account insurance
Bank accounts for developers
Open a bank account
Generate a unique account number
Transfer between accounts
Create account limits
List account transactions
 await increase.accounts.create({
  entity_id: "entity_in71c4amph0vgo2qllky",
  name: "Default account",
});
Open unlimited bank accounts of any kind, programmatically.
Accounts and account numbers are separate.
Accounts are available to use immediately.
Funds are insured by the FDIC.
Learn more about Accounts
Banking for builders
Everything you need and nothing you don't
Direct connections to the networks for money movement. Bank accounts that open instantly. Unopinionated building blocks that don't force you into legacy patterns.
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ACH Payments
Originate ACH credits and debits, validate account numbers with pre-notifications and store commonly accessed details.
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Bank Accounts
Flexible account constructs. Unlimited account numbers. Extended FDIC insurance.
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Cards
Issue cards with custom art to businesses or consumers. Approve authorizations in real-time, or configure limits programmatically.
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Checks
Send branded checks anywhere in the world with one API call. Or deposit checks via API or the dashboard.
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Wires
The original instantaneous money transfer. Send money anywhere, anytime Fedwire is open.
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Real-Time Payments
Transmit money to accounts at most major banks in seconds, not days.
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FedNow
The Federal Reserve’s newest payment method. Instantly move money 24/7/365 with any participating bank.
Coming soon
Read our documentation
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Banking services provided by Blue Ridge Bank and First Internet Bank of Indiana, Members FDIC. Increase is a financial technology company, not a bank. Cards Issued by First Internet Bank of Indiana, pursuant to a license from Visa Inc. Deposits are insured by the FDIC up to the maximum allowed by law through First Internet Bank of Indiana and Blue Ridge Bank, Members FDIC.