The listings featured on this site are from companies from which this site receives compensation. This may influence where, how and in what order such listings appear on this site
BestMoney logo

NorthOne Review

Run your business seamlessly

Reviews 148
Visit Site
Reviews 148
Michael Graw
Nov. 15, 2022
2 min read
Michael Graw
NorthOne Summary
NorthOne offers small business checking accounts with modern features. You can integrate your checking account with accounting software, eCommerce networks, and more, plus pay bills directly from your account. NorthOne also enables you to create an unlimited number of Envelopes to set aside money for payroll, taxes, or savings goals.


  • No minimum balance requirement
  • Integrate with accounting software
  • Access a network of 2M+ ATMs


  • No interest on deposits
  • No physical branches

NorthOne at a glance

Editorial score


Yes, low fees


FDIC insured and SSL/AES encrypted account

Customer service

Early morning, evening and weekend service with multiple communication options and a dedicated fraud team

Online experience

Excellent user friendly site with transparency of rates and full online banking capabilities

Mobile experience

Excellent mobile app with all mobile banking features enabled, including digital check deposits

NorthOne NorthOne Visit NorthOne

Advantages Over Traditional Banks 

NorthOne doesn’t require a minimum account balance and charges a straightforward $10 monthly fee that includes unlimited transactions in your account. The bank also keeps wire transfer fees to a minimum, charging just the cost of the wire without an extra markup. In addition, NorthOne gives you access to a nationwide network of over 1,000,000 fee-free ATMs and includes features like online bill pay, mobile check scanning, and integrations with popular accounting, eCommerce, and point-of-sales software.

Cutting-Edge Banking Services

One of the major features that differentiates NorthOne is that this bank allows you to create an unlimited number of Envelopes within your main checking account. This helps you set aside money for things like payroll, taxes, or big equipment purchase. You can move money into Envelopes manually, or set up recurring transfers to make saving money automatic.

NorthOne also offers integrations with a variety of software platforms, including accounting software like Quickbooks, Freshbooks, and Xero, payroll software like ADP and Gusto, and eCommerce platforms like Shopify, Amazon, and Etsy. You can also sync your NorthOne account with payment services such as PayPal, Square, and Stripe to easily move money around your business.

Traditional Banking Services

NorthOne doesn’t have physical branches, but it does have a network of over 2,000,000 ATMs in the US that you can use for free. You can deposit cash at these ATMs as well as withdraw funds, which many online banks don’t allow. 

Interest Rates and Fees

NorthOne charges a flat fee of $10 per month for its checking account. You must deposit $50 to open a new account, but after that there’s no minimum balance. NorthOne also charges $15 for sending and receiving domestic wires. NorthOne does not charge customers overdraft or NSF (non-sufficient funds) fees. 

After comparing data, it turns out that despite the monthly and wire transaction fees, Northone active users tend to save more in the long run compared to "free account users because there are no hidden fees.

Customer Service

NorthOne offers customer support by phone, email, and live chat from 8:00 AM to 1:00 AM ET, 7 days a week. You can access chat support from inside the NorthOne mobile app or schedule a callback time for phone support.


Mobile App

The NorthOne mobile app enables you to monitor your account, send payments, manage Envelopes, and scan checks for deposits. You can also use the app to create invoices, view a report of your business’s cash flow, search through past transactions, or find a fee-free ATM near you. The NorthOne app can also be linked with your debit card to support Google Pay or Apple Pay.



NorthOne uses bank-level encryption to secure your account details and keep your funds secure. You can opt-in to receive SMS notifications every time a transaction is made using your debit card, although you’ll need to contact the bank to lock your card if it’s lost.

In addition, NorthOne accounts are insured by the FDIC for up to $250,000.

NorthOne NorthOne Visit NorthOne


NorthOne checking accounts for small businesses are packed with modern features to help you run your business more seamlessly. You can divide your account into Envelopes to earmark funds for important things like payroll or taxes. The bank also supports integrations with popular accounting, payroll, POS, and eCommerce software. NorthOne doesn’t have physical branches, but it offers a network of 1,000,000 fee-free ATMs. You can open an account for $10 per month and there are no balance requirements to keep track of.


This review was created using information from NorthOne’s website and a chat with NorthOne’s customer support.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
Top Online Banking
Read Review|Visit Site
Read all reviews

Must Reads

How Banks Are Building Trust with Customers in 2024
Mar. 04, 2024
What Is a Savings Account and How Does it Work?
Mar. 04, 2024
How to Choose the Right Online Bank for You
Mar. 04, 2024
Read all articles
Trustpilot reviews
See what some customers are saying about NorthOne
Average • Reviews 148
We upload 100 to 400 Trustpilot reviews to our website daily, displaying them by default from "best" to "worst". You have the option to adjust the sorting criteria. If you wish to see all reviews, you can visit Trustpilot's website here.
Sort by
Brian Leiberman
5 days ago
I want to thank Kat for her help
I want to thank Kat for her help. She made time for me. And she never made me feel like I had to rush. Good people.
Eyal T
6 days ago
Great experience - Thanks Mariam
Mariam was fantastic! I had lots of questions on how to implement everything and she had infinite patience with me. Really liked the fast check clearing too.
2 weeks ago
They have time for you
Kat was very professional and helpful, I am a new account holder with North One. I’m sure the questions I had were trivial, but Kat was very knowledgeable and patient. I never felt hurried along in any way. So kudos and thank you for your excellent service.
Eboni Andrews
2 weeks ago
Miriam was a prompt in her responses…
Miriam was a prompt in her responses with my banking concern. She even reached out on a seperate day to give me an update without me asking for one. This isn’t the first time she has helped me.
2 weeks ago
I had an outstanding experience…
I had a phenomenal experience interacting with Kat from NorthOnes Support team, let me tell you why! I was having difficulties getting my new account up and running but during this process of helping me, she was patient, very prompt within her response time, and did everything she could until I was completely helped! This is what you call Great Customer Service! Highly recommend using them for Reliable & Trustworthy business banking , but also rest assured that you will be helped with any and all your needs as if you were family💥