Credit Compound

Ramp

Ramp Business Account (Ramp Treasury)

FDIC-insured checking that earns while it sits next to your spend platform

8.0
Our Rating
APY
Roughly 2.0-2.5% variable on checking (true FDIC interest); Investment Account yields ~4.38% (money market fund, $5k minimum)
Monthly Fee
$0 (included with Ramp's free tier)
Minimum to Open
None for checking; $5,000 minimum for the Investment Account
ATM Access
No ATM or cash access; spend runs through Ramp corporate cards

Insurance: Deposits held at First Internet Bank of Indiana with multi-million-dollar FDIC coverage extended via IntraFi ICS sweep; Investment Account is SIPC-protected up to $500k, not FDIC

Plan Options

Ramp (free)

$0

  • ▸Corporate cards, expense management, AP, travel, and the Treasury accounts included
  • ▸Free domestic and international wires, unlimited free same-day ACH

Ramp Plus

$15 per user plus platform fee

  • ▸AI-powered approvals and custom roles
  • ▸NetSuite and Sage Intacct integrations

Features

  • ▸Real FDIC deposit account (renamed from Ramp Business Account to Ramp Checking Account)
  • ▸No fees, no minimums, and no transfer caps on checking
  • ▸Free domestic and international wires
  • ▸Investment Account sleeve in a government money market portfolio at ~4.38% net
  • ▸Ramp Visa corporate cards with 1.5% cashback
  • ▸Deep AP and expense automation included free

Pros

  • +Checking yield is genuine FDIC-insured bank interest, unlike Brex and Rho fund yields
  • +Treasury comes free with Ramp's already-free platform
  • +Free international wires are nearly unique
  • +IntraFi sweep extends coverage into the millions

Cons

  • −Checking APY (~2-2.5%) trails Brex and Mercury treasury yields
  • −Hitting ~4.4% requires the non-FDIC Investment Account with a $5k minimum and embedded 0.35% fee
  • −No cash or ATM capability and no sole proprietors
  • −Core deposits sit at a single small partner bank with some industry and NY-state exclusions

Our Take

Yes, Ramp has a real bank account now, and it is quietly one of the safest yield stories in the category because the checking rate is actual FDIC interest rather than fund yield. Pair the checking account for operating cash with the Investment Account for reserves and the blended return is competitive. If you are already on Ramp for cards, turning this on is free money.

Best for: Ramp card customers who want their operating cash earning FDIC-insured interest

Open at Ramp →

Last verified 2026-06-11

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