{"account":{"slug":"ramp-business-account","bank":"Ramp","name":"Business Account (Ramp Treasury)"},"status":"recent","lastVerified":"2026-10-12","officialSource":"https://ramp.com/business-banking","history":[{"date":"2026-06-11","apy":"Roughly 2.0-2.5% variable on checking (true FDIC interest); Investment Account yields ~4.38% (money market fund, $5k minimum)","monthlyFee":"$0 (included with Ramp's free tier)","minimumOpen":"None for checking; $5,000 minimum for the Investment Account","atm":"No ATM or cash access; spend runs through Ramp corporate cards","note":"Legacy snapshot before event-level evidence attachments"},{"date":"2026-10-12","apy":"2.00% variable APY on checking as of 10/12/2026 (true FDIC interest); Investment Account yields up to 4.62% net (as of 9/3/2026, $5k minimum)","monthlyFee":"$0 (included with Ramp's free tier)","minimumOpen":"None for checking; $5,000 minimum for the Investment Account","atm":"No ATM or cash access; spend runs through Ramp corporate cards","note":"Checking APY 2.00% (10/12/2026); Investment Account up to 4.62% net (9/3/2026) with up-to-0.15% advisory fee; First Internet Bank and IntraFi ICS coverage and plan pricing reconfirmed","sourceUrl":"https://ramp.com/treasury","sourceLabel":"Ramp Treasury and pricing pages"},{"date":"2026-10-23","apy":"Checking: 2.00% variable APY as of October 23, 2026. Separate Investment Account advertises up to 4.6% net yield, with September 3, 2026 sample-portfolio assumptions; not a bank APY or guaranteed return","note":"Scoped checking APY and investment-yield distinction. Replaced unsupported safest/free-money comparisons; retained full-record date and historical snapshots.","sourceUrl":"https://ramp.com/business-banking","sourceLabel":"Official product disclosures and pricing reviewed for startup banking guide","monthlyFee":"$0 (included with Ramp's free tier)","minimumOpen":"None for checking; $5,000 minimum for the Investment Account"}],"verificationEvents":[{"id":"214cba9d-288d-4099-8e3d-2ddc06d6286a","entityType":"bank-account","slug":"ramp-business-account","checkedAt":"2026-10-23T19:21:01.685Z","recordedAt":"2026-10-23T19:21:01.686Z","sourceUrl":"https://ramp.com/business-banking","sourceLabel":"Official product disclosures and pricing","outcome":"changed","summary":"Scoped checking APY and investment-yield distinction. Replaced unsupported safest/free-money comparisons; retained full-record date and historical snapshots.","changedFields":["apy","features","pros","cons","ourTake","url","termHistory"],"previousHash":"74dce98585fd052dcc5ecfcf2f5e17430f21e256cd769d12b86b58275dca2926","recordHash":"df15cc8cd179dca7e97f8df8de7944c5fe3233e3d2dc31b5991557414d9ad96c"},{"id":"bb0902a1-23db-49b9-9f24-6816d13e3d64","entityType":"bank-account","slug":"ramp-business-account","checkedAt":"2026-10-12T00:00:00.000Z","recordedAt":"2026-10-12T13:11:17.895Z","sourceUrl":"https://ramp.com/treasury","sourceLabel":"Ramp Treasury and pricing pages","outcome":"changed","summary":"Checking APY 2.00% (10/12/2026); Investment Account up to 4.62% net (9/3/2026) with up-to-0.15% advisory fee; First Internet Bank and IntraFi ICS coverage and plan pricing reconfirmed","changedFields":["apy"],"facts":{"apy":"2.00% variable APY on checking as of 10/12/2026 (true FDIC interest); Investment Account yields up to 4.62% net (as of 9/3/2026, $5k minimum)","monthlyFee":"$0 (included with Ramp's free tier)","minimumOpen":"None for checking; $5,000 minimum for the Investment Account","atm":"No ATM or cash access; spend runs through Ramp corporate cards"},"previousHash":"dae8710470c3b1e43519053259b54af3c48932420acda32b341b1d1a710d3d8d","recordHash":"2e985e5c99d2f2229a54b7658762112e411b4a9e384ea8265f03fe540520ce75"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}