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    Purpose-built financing, sent straight to your Wayflyer account

    4.7 stars 400+ reviews | GDPR and SOC II Compliant

    wayfkyer banking app dashboard

    FDIC insurance up to $3M for funds on deposit via Thread Bank1. Pass-through deposit insurance coverage is subject to conditions.

    Receive financing. Pay suppliers. Earn interest. All from one account.

    Receive financing instantly

    Access best-in-class financing at discounted rates, disbursed straight into your Wayflyer account.

    Send payments easily

    Pay suppliers at the click of a button via free ACH payments or $10 wire transfers.

    Earn 2.50% Annual Percentage Yield (APY)2

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    Our interest is paid on all checking deposits, with no minimum balance requirements or tiering.

    Built-in peace of mind

    No monthly fees or setup costs

    Accounts can be opened in minutes. It's a no-brainer to get started.

    wayflyer $0.00 charge versus $29.99 monthly charge from other banking providers

    Robust access controls

    We offer multi-factor authentication, user-level permissions and ongoing fraud monitoring.

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    Accounting integrations

    Connect transaction data to Plaid and Quickbooks for meticulous bookkeeping.

    transaction data integrated with plaid and quickbooks

    Dedicated account support

    Get rapid responses to support queries and an account manager for financing questions.

    contact support

    Set up an account in minutes. Get a financing offer in hours.

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    1. Submit an application

    Take a moment to share some details about your company and connect your data platforms.
    Clock Icon10 MINS
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    2. Choose a financing offer

    We analyze your performance to give you tailored financing offers. Choose the option that works best for your business.
    Clock Icon24 HOURS
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    3. Receive the funds

    Once approved, we can send the funds straight to your Wayflyer account to use as you see fit.
    Clock Icon<5 MINS

    Purpose-built for brands like yours

    Wayflyer

    Deep consumer brand expertise
    2.50% APY2, with no minimum balance requirements
    Seamless online application
    No setup or monthly maintenance fees
    Dedicated account support

    Traditional banks

    Broader industry focus
    Often less than 0.1% APY, with balance requirements and limits
    May require in-person application
    Setup and monthly maintenance fees ($20 on average)
    Limited account support

    Frequently asked questions

    Interested?

    Open an account today

    It takes less than 10 minutes to get started.

    Wayflyer is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Wayflyer Visa® Debit card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted.

    1. Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions on the sweep program. Pass-through insurance coverage is subject to conditions.

    2. The interest rate on your account is 2.47% with an Annual Percentage Yield (APY) of 2.50%, effective as of 11/12/2025. Rate is variable and is subject to change after account opening. Fees may reduce earnings.