# Free for Every Business Owner.

Streamline cashflow and maximize savings — all in one free sophisticated platform.

Banking & Financial Management

## Simplify Financial Management. Scale Without Limits.

$0/ Month

High-Yield Business Banking & Financial Management

Includes:

- Interest-bearing business checking account  
- Free
- Unlimited physical and virtual cards  
- Free
- Built-in expense management  
- Free
- Automated accounting integrations  
- Free
- Same-day ACH transfers  
- Free
- Domestic wire transfers  
- Free
- International wire transfers  
- 1% Currency Fee
- Net-60 on all purchases  
- Free
- Flexible credit limits  
- Included
- 24/7 concierge customer support  
- Included
- Automated fraud protection  
- Included
- FDIC insurance available for funds on deposit through Thread Bank, Member FDIC. Up to $3M*

Coming Soon.

Best for high-spending clients.

## Pay Less. Get _Much_ More.

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The Others

- Expense Management
- ACH transfers
- Business checking
- Wire transfers
- Rewards & Cash Back¹
- Unlimited virtual cards
- Automated accounting integrations
- Vendor payments
- Fraud protection
- Flexible credit limits
- Net-60 terms on purchases
- 24/7 Support
- FDIC insurance available for funds on deposit through Thread Bank, Member FDIC

## Frequently Asked Questions

- **What does Flex cost?**  
  Flex is free to set up and use.
- **What are the terms of Flex’s 0% interest rate?**  
  Streamline cash flow with net-60 on all purchases made by your business. 0% interest applies if the full balance is paid within the 60-day grace period. Interest applies when the full balance is not paid within the 60-day grace period.
- **How much interest do I earn on my deposits?**  
  Flex customers earn up to 2.47% APY** interest on your cash on hand, so you can more easily meet your profit objectives.

Are my deposits insured?

Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank 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 [here](https://thread.bank/sweep-disclosure/) and a list of program banks [here](https://thread.bank/program-banks/).

- **How does Flex make money?**  
  Flex generates revenue primarily through your use of the Flex Card. Each time you make a purchase, merchants pay a small interchange fee.
- **Are all virtual employee cards free?**  
  Yes. Flex offers unlimited employee cards to banking customers. Once issued, you can set spend limits, control access, and implement approval workflows — right from your Flex app.

Flex Banking & Financial Management

## Accelerate your growth with Flex.