Modern business banking that just works. Get a US account with virtual cards, ACH payments, and a team that actually picks up the phone.
Simple, powerful banking tools designed for how modern businesses actually work.
Apply in 10 minutes, get approved in 24 hours. All verification happens online—no paperwork, no waiting rooms, no fax machines.
Your own account and routing numbers. Accept payments from customers, pay vendors, and manage cash flow—all from one dashboard.
Issue virtual cards instantly for online subscriptions. Physical cards for travel and expenses. Set spending limits and get real-time alerts.
Send and receive ACH transfers without the fees. Link external accounts and move money between banks whenever you need to.
Add team members with the right level of access. Finance managers see everything, cardholders see their cards. You stay in control.
256-bit encryption, two-factor authentication, and real-time fraud monitoring. Your money is FDIC insured up to $250,000.
We built Sheep Bank because we were frustrated with traditional business banking. Here's what we commit to every customer.
Real people answer your questions. No chatbots, no phone trees, no "we'll get back to you in 5-7 business days." We respond to support requests within 2 hours during business hours.
What you see is what you pay. No monthly fees, no minimum balance requirements, no surprise charges. We believe in transparent pricing because that's what we'd want.
We're building a bank for founders because we are founders. Every feature we build, every decision we make, is guided by one question: does this help our customers succeed?
Have a feature request? We actually read them. Our roadmap is shaped by customer feedback, and we ship improvements every week. Your voice matters here.
From day-one startups to scaling companies, we've got your back.
Just incorporated? Get banking set up in a day, not a month. No minimum deposits, no waiting for your "relationship manager" to return your call.
Building a US presence from abroad? Open a US business account from anywhere. No SSN required for non-US residents with valid documentation.
Manage high-volume transactions, pay suppliers, and give your team the tools they need—without spreadsheet gymnastics.
Start free, upgrade when you're ready. No hidden fees, ever.
Perfect for getting started with business banking.
Per account
With account & routing numbers
For online purchases
For growing businesses that need more power.
Per account
Separate accounts for different needs
For your entire team
Order cards for your team
Design your own cards
Earn 3.81% APY
For teams that need advanced controls and scale.
Add your whole team
Create as many as you need
Virtual & physical
Design your own cards
Earn 3.81% APY
Same-day transfers
Direct line to your account manager
All plans include FDIC insurance up to $250,000, team access with role-based permissions, and human support.
Join thousands of founders who switched to Sheep Bank for simpler, faster, friendlier business banking.