Business banking

Banking that supports cash flow, growth, and control

From first invoice to your next expansion, Lumora Financial provides business checking and savings, payment rails (ACH and wire), merchant services, card solutions, and access to credit—all with strong controls and clear reporting.

Set roles for staff, enable dual authorization for high-risk actions, and build workflows that match how your team operates. When your needs get more complex, our advisors can help you structure treasury tools and lending that fits your operating cycle.

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Core services

Business banking is more than a place to hold funds. It’s a system that moves money safely, tracks spend, reduces fraud risk, and supports planning. Fees, cutoffs, and product eligibility vary; review disclosures and use the Fee Schedule and Rate Sheet for current information.

Business checking

Operate daily spend, vendor payouts, and receipts with online controls and reporting.

Typical features: role-based access, account statements, and payment initiation.

Business savings

Keep reserve funds separate and earn interest with tiered rates where available.

Illustrative APY range: 1.50%–4.75% depending on balance tier and market.

ACH & wire payments

Pay vendors, contractors, and suppliers using ACH batches or same-day wires when eligible.

Cutoff times and fees are shown before you submit a transfer.

Payment rails International

Merchant services

Accept card and digital payments with settlement reporting and chargeback support.

Pricing varies by industry, volume, and risk profile.

Business cards

Issue employee cards, set limits, and track expenses with categories for accounting.

Credit approval required; fees and APR depend on product.

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Business lending

Working capital, equipment financing, and term loans for qualified businesses.

Illustrative APR range: 7.00%–24.00% (varies by collateral and profile).

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Controls & security for teams

Business accounts often involve multiple people. Our platform supports practical safeguards such as separation of duties, approval workflows, alerts on unusual transfers, and transaction history that’s easier to reconcile.

Role-based access and audit-friendly activity history
Optional dual control for wires and high-risk actions
Real-time alerts for balance thresholds and large transactions
Fraud and compliance screening on outbound payments

When to talk to an advisor

If you run payroll, operate in multiple currencies, process large ticket payments, or need credit structured around receivables or inventory cycles, speaking with an advisor can save time and reduce risk.

Bring: last 3–6 months statements, basic financials, entity docs, and your typical monthly payment flows. We’ll recommend the right account structure and tools.

Business banking FAQ

Typically: business formation documents, EIN/Tax ID, beneficial owner information, and a government-issued ID for authorized signers. Requirements vary by business type and risk profile.

Yes. We support ACH and wire transfers with cutoffs and confirmation screens. For higher-risk workflows, ask us about dual control and treasury options.

Yes. Eligible business card programs allow employee cards, spend limits, and transaction visibility for accounting. Credit approval and terms apply.

We publish high-level disclosures in the Rate Sheet and Fee Schedule and show applicable fees, FX rates, and confirmations before you submit payments.

Let’s build the right setup for your business

Open an account online or talk to an advisor about payments, cards, and credit.

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