FDIC-Insured-Backed by the full faith and credit of the U.S. Government
FDIC-Insured-Backed by the full faith and credit of the U.S. Government
NETZERO BUSINESS CHECKING
No monthly service fee. No minimum balance. And real people to help you move your business forward.
Your business deserves banking that works as hard as you do. NetZero Business Checking1 combines no treasury management or monthly fees, flexible tools to manage your money, and responsive bankers who get to know your business. All from a bank built on the belief that financial success and positive impact belong together.
Keep more of your money: No monthly service fee. No transaction fees. No minimum balance. No transaction limit.
More tools when you need them: Access to free Positive Pay fraud detection and free ACH originations.
Put extra cash to work: Earn 4.26% annual percentage yield with a separate, qualifying Business Money Market account.2
Employee banking perks: Employees get access to personal checking with a high APY and free checks.*
Your NetZero Business Checking account gives you access to treasury management tools at no extra cost to help you manage cash flow, streamline payments, and protect against fraud. Choose the services that fit your business, with guidance from a business banker who understands your needs.3
Pay employees and vendors, collect customer payments, and keep money moving with ACH services offered at no charge.
Accept payments with secure, scalable processing solutions:
Protect your business from payment fraud:
Stay informed while reducing paper:
Deposit checks on your schedule:
Complete cash management tools for growing organizations:
Pay a person, pay a bill, or pay yourself. Convenient, mobile, and easy.
Bank anywhere, anytime. Available on Google Play and the Apple App Store.
Still get paper checks? Deposit in less than 1 minute with mobile deposit.
We're all about saving trees. View your banking statement online or on the app.
Set reminders and alerts so you can focus on what's important to you.
Business Money Market
4.26%
Annual Percentage
Yield (APY)2
Higher Yield. Higher Purpose.
As a NetZero Business Checking customer, you get an attractive 4.26% annual percentage yield2 on your reserve funds as our way of saying thanks for joining us as a force for good.
If you do not have a Primary Business Checking with Climate First Bank, the rate earned on your Business Money Market account will be 0.6% APY.2
See the estimated impact of your business deposits on financed emissions and the difference that banking with Climate First Bank can make.
Powered by Topo Finance
With Climate First Bank
Business Money Market Account2
Earnings after one year
$XXX
Reduced banking emissions (Tons CO2e per year)4
—
Compared to an average Wall Street bank
Moving your business deposits to Climate First Bank each year is equivalent to:4
—
miles driven by an average gasoline powered vehicle
—
acres of U.S. forests preserved in a year
—
homes switching to residential solar power vs. traditional grid electricity
The PCAF methodology for financial institutions was used to calculate the majority of the results for Climate First Bank (CFB). This means calculating the scope 3 emissions (Category 15), indirectly arising from CFB’s lending to customers (scope 1 and 2). In the case of CFB’s real estate, the most detailed calculations were completed using transaction-level information. CFB commercial lending was estimated using an external state-level emission factor and a portfolio lookthrough (geography and sector) to validate results.
The Wall Street bank’s estimates are based on the banks’ externally published emissions data where available. Further details about the approach can be found on the Topo Finance website. Where there were gaps in externally reported coverage (e.g. compared to the total loan portfolio), sector and geographic emissions factors were applied. Those were sourced from the Comprehensive Environmental Data Archive (CEDA by Watershed). Those calculations followed a PCAF-style methodology.
For the comparatives, a set of external sources were used (e.g. EPA).
Emission factors were sourced from PCAF, CEDA by Watershed, EPA, EIA and from the own disclosures of financial institutions.
The data covers the fiscal year 2025 (January 1 – December 31, 2025). In some cases (e.g. emissions factors, comparatives) there is a time lag, and the information used was the most recent and consistent information available as at April 2026.
Calculator results are hypothetical and provided for illustrative purposes only. They are not a guarantee of future earnings or environmental impact. Actual rates, earnings, and impact outcomes will vary.
We have your back.
Our experienced bankers take the time to understand your business, recommend the right solutions, and provide the guidance and support to get your business moving.
Enter your information below and one of our business bankers will contact you to answer any questions or to help you get started with opening an account.
Climate First Bank is redefining banking as the nation’s first FDIC-insured, climate-focused community bank. Founded to help combat the climate crisis, we have become the fastest-growing new bank in America since 2009.
Learn More About Our Impact1. A minimum deposit of $50.00 is required to open the account. E-statements are provided at no charge, and paper statements are available for a $10.00 monthly fee. A fee of $5.00 per day applies to business accounts with continuously overdrawn balance, beginning on the fourth business day. Customer is responsible for cost of Remote Deposit Capture (RDC) machine and wire fees. $0 monthly fees if customer consents to receive electronic statements.
2. Annual Percentage Yield (APY) of 4.26% is current as of 4-9-26 and is subject to change without notice. To qualify for the advertised APY, account holder must maintain their primary business checking relationship with Climate First Bank. Primary means the account is used for normal business operations, including receiving customer payments and paying payroll, vendors, and other operating expenses. If the Primary business checking relationship is not maintained, the account will earn 0.60% APY. Interest is compounded daily and credited monthly. $50.00 minimum deposit is required to open this account. E-statements are provided at no charge, and paper statements are available for a $10.00 monthly fee.
3. Treasury Management services and features are subject to product eligibility and enrollment. Availability varies by product and service selected.
4. Reduced banking emissions show the estimated annual financed-emissions difference between deposits held at Climate First Bank and an average Wall Street bank, expressed in tons of CO2e per year. Real-world equivalencies are based on financed-emissions estimates verified by TOPO Finance and scale with the amount entered. Learn more about our methodology.
*Contact a banker to learn more about our Impact at Work program. Terms apply.
