Business checking, cards and bill pay in one account
Merrow is the operating account for US companies with 2 to 100 people. Pay vendors by ACH or check, give every card its own limit, and hand your books a clean ledger every night.
No monthly fee on Essential. Deposits insured up to $5M through Tidewell Bank, N.A., Member FDIC.
app.merrow.money/home
QuickBooks
Xero
NetSuite
Gusto
Stripe
Shopify
Move money, control spend, pay bills. Each one writes straight into your books, so month-end is reading, not reconstructing.
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Accounts and transfers
Checking for daily spend, a reserve account that earns 3.6% APY and a payroll account only Gusto can pull from. Send ACH, wires and mailed checks from one screen.
Same-day ACH before 5 pm ET
Free
Domestic wires
Free on Plus
Checks mailed for you
Free
A limit on every card
Issue a physical or virtual Visa card in seconds. Set a monthly limit, lock it to one merchant, and get the receipt by text before the coffee cools.
Cashback on every card
1.5%
Virtual cards
Unlimited on Plus
Receipts matched
Automatically
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Bill pay with two approvers
Forward an invoice to your bills inbox. Merrow reads the amount and due date, routes it for approval and pays by ACH, wire or check on the day you pick.
Bills a month on Essential
10
Approval rules
Any amount
Pay vendors by
ACH, wire, check
ACH sent before 5 pm Eastern lands the same business day and incoming wires post within minutes. Here is a Friday on a design studio’s operating account.
| Time | Description | Method | Status | Amount |
|---|---|---|---|---|
| 9:12 am | Stripe payout9:12 am · ACH in | ACH in | Pending | +$12,480.20 |
| 9:40 am | Gusto payroll, Sep 269:40 am · ACH out | ACH out | Pending | −$48,210.55 |
| 10:05 am | Harbor & Pine, invoice 104210:05 am · Wire in | Wire in | Pending | +$18,500.00 |
| 11:18 am | Northside Properties, October rent11:18 am · Same-day ACH | Same-day ACH | Pending | −$9,250.00 |
| 1:02 pm | Parkway Dental Group, invoice 10451:02 pm · ACH in | ACH in | Pending | +$11,900.00 |
Keep your old account open while you move. We give you the checklist and a person to call.
Merrow never holds your money. Tidewell Bank, N.A., Member FDIC, holds it and spreads balances above the FDIC limit across a network of program banks.
Accounting, payroll, payments and commerce, synced every night or the moment money moves.
Start free. Move to Plus when you pay bills every week. No per-seat fees, no minimum balance.
For companies opening their first business account.
- Checking and reserve accounts
- Free ACH, checks and incoming wires
- 5 cards with spending limits
- Bill pay for up to 10 bills a month
- QuickBooks and Xero sync
For teams that pay vendors and contractors every week.
- Everything in Essential
- Unlimited cards and bills
- Free domestic wires
- Same-day ACH before 5 pm ET
- Two-person approvals
- NetSuite sync
For finance teams with rules to enforce across entities.
- Everything in Plus
- Custom roles and approval chains
- Up to 10 entities in one login
- International wires at 0.5% FX
- SSO and a full audit log
- A named account manager
What finance leads say after the first month‑end
We closed September in three days instead of eleven. The receipts were already attached when our bookkeeper opened QuickBooks.
Dana Whitfield
Founder
Tallgrass Studio, 18 people
Columbus, OH
Two-person approvals ended the Friday afternoon wire scramble. Every bill over $5,000 now carries two names before it leaves.
Renee Castillo
COO
Parkway Dental Group, 6 clinics
Tucson, AZ
Switching took four days. Payroll ran from the new account on the first try and not one autopay bounced.
Grant Okonkwo
Head of Finance
Orchard Street Books
Portland, OR
Questions finance teams ask first
Something else? Email hello@merrow.money and a person replies the same business day.
No. Merrow is a financial technology company. Accounts are held at Tidewell Bank, N.A., Member FDIC, and deposits are insured up to $5M through Tidewell's sweep network of program banks. Your money never sits with Merrow itself.
Essential is $0 a month with free ACH, checks and five cards. Plus is $29 a month billed yearly and adds unlimited cards, free domestic wires and two-person approvals. There are no minimum balances and no fees for incoming wires.
Most companies apply in about 10 minutes and are approved within one business day. We give you a checklist of autopays and payroll to move, and your old account stays open until you close it, so nothing bounces in between.
Paper checks, yes: snap them in the app and funds arrive in one to two business days. Cash, no. If your business takes a lot of cash, Merrow is not the right fit yet, and we would rather tell you now.
Freeze it from the app in two taps and issue a virtual replacement on the spot. Our support team answers by chat and phone seven days a week, 7 am to 11 pm Eastern.
Yes. Invite them as a bookkeeper with read-only or categorize-only access. Transactions sync to QuickBooks, Xero or NetSuite every night with receipts attached.
Apply in about 10 minutes with your EIN and a photo ID. Most companies are approved within one business day, and Essential has no monthly fee.