Business banking that keeps your money clear, organized, and ready for what's next.
Total balance
$289,100.52
Operating
•• 4821
$184,920.42
Payroll
•• 7710
$62,300.00
Tax Reserve
•• 3390
$41,880.10
4821 •••• •••• 9042
Cash back earned
+$1,284.00
The problem
You've outgrown "good enough."
Spreadsheets stopped scaling.
You track cash across tabs, apps and gut feel. One account for everything means nothing is ever truly clear.
Generic banking wasn't built for you.
Legacy business banking treats a growing company like a personal checking account with extra fees attached.
You need money that stays organized.
Separate accounts for operating, payroll and taxes. Real-time visibility. Controls that scale as you grow.
Everything, organized
One platform. Every account under control.
Accounts
Open up to 50 checking accounts to separate operating, payroll, taxes and more — no minimums, no nonsense.
Savings
Put idle cash to work with high-APY savings accounts that stay right beside your operating funds.
Cards
Issue physical and virtual cards with granular limits and 2% cash back on every dollar of spend.
Expense Management
Auto-categorize transactions, capture receipts, and reconcile in real time — not at month-end.
Payables
Pay bills, schedule transfers and route approvals so money only leaves when it should.
Receivables
Send branded, recurring invoices and get paid faster — reconciled automatically to the right account.
Why FITOS
Built for the way you actually run money.
Purpose-built
Designed for owners who've outgrown spreadsheets and generic business banking. Every feature earns its place.
Profit-centric
2% cash back, high-APY savings, and zero hidden fees mean more of every dollar stays in your business.
Proven & simplified
Bank-level security and compliance, wrapped in an experience that takes minutes — not weeks — to set up.
How it works
From spreadsheet chaos to banking in three steps.
Sign up in seconds
Tell us your business basics. No paperwork, no branch visit — just an email and a minute of your time.
Verify in your dashboard
Complete KYC verification at your own pace with real-time checks and encrypted, secure uploads.
Start banking
Get instant account & routing numbers, a virtual card immediately, and your physical card in the mail.
Security & compliance
Bank-level security, by design.
Your funds are held at Sutton Bank, Member FDIC. We layer encryption, continuous fraud monitoring and full KYC/AML compliance on top.
Encryption everywhere
Sensitive data like your SSN is encrypted and never stored in plain text.
KYC / AML compliant
Identity and ownership verification aligned with federal requirements.
Fraud monitoring
Real-time transaction monitoring flags anomalies before they cost you.
Partner-bank protected
FDIC insurance eligibility through Sutton Bank pass-through coverage.
Loved by owners
15,000+ businesses, finally organized.
"We went from one messy account to five organized ones in an afternoon. Payroll, taxes and operating cash finally live in separate lanes."
Maya Ellison
Founder, Ellison Studio
"The 2% cash back quietly funded a new hire this year. And I've never once been surprised by a hidden fee."
Sofia Duarte
Owner, Duarte Coffee Co.
"As a non-resident LLC owner, opening a US business account used to be impossible. FITOS approved me in minutes."
Jordan Meyers
Founder, JMorg Entertainment
"Real-time expense categorization means my books are basically done by the time I sit with my accountant."
Renée Park
Agency Owner
Open your FITOS account in minutes.
Join thousands of owners who traded spreadsheets for clarity.