Business Banking
Run your business on a bank account that earns yield, sweeps automatically, and reconciles itself.
How it works
Open FDIC-insured business accounts in minutes. Excess cash sweeps into high-yield positions automatically; idle balances don't sit idle. Multi-bank coverage scales your FDIC limit beyond the single-institution cap.
Every transaction categorizes to your GL and reconciles in real time. Consolidated positions across accounts and entities live in one view — no portal switching, no CSV exports.
Value
Three pillars
Banking, reimagined.
A banking experience designed for finance teams, not consumers.
Integrated Business Accounts
Open FDIC-insured checking and savings accounts that connect natively to your accounting, AP, and AR workflows. Every transaction is automatically categorized and reconciled in real time.
Smart Cash Management
Automated sweep rules move excess cash into high-yield positions while maintaining your target operating balance. Real-time dashboards show consolidated positions across all accounts and entities.
Unified Financial View
Banking, accounting, payments, and treasury in a single platform. No more logging into separate bank portals, downloading CSVs, or manually reconciling across disconnected systems.
Agents in action
Native business banking.
Agents that handle account opening, cash management, and payment orchestration — with complete auditability.
Agents coordinate account opening
A single account opening event triggers KYB verification, account provisioning, and initial deposit agents that work in parallel and resolve autonomously.
Banking that gets smarter over time
Every transaction, sweep decision, and reconciliation feeds back into the model. Your banking operations become more efficient with every cycle.
Encode your account structures, sweep rules, and payment preferences into structured training data.
Fine-tune models on your cash flow patterns, vendor relationships, and entity structures for optimal performance.
Agents execute real banking tasks with full audit trails and human-in-the-loop review controls.
Every transaction cycle improves sweep optimization, reconciliation accuracy, and payment routing.
Open your account today.
See how Theorem combines banking and finance operations into one integrated platform.