Checking, treasury, virtual cards, and ACH in one console designed for founders who'd rather ship than chase wire confirmations. Open in 8 minutes from a laptop.
Sweep your operating buffer into a money-market sub-account that yields 4.42% APY, daily compounding. Pull funds back to checking in under 12 seconds — no maturity calendar to memorize.
Virtual + physical cards with merchant locking, category caps, and per-employee budgets. Freeze in one keystroke. Reissue without calling anyone.
Same-day ACH up to $1M. Domestic wires until 5pm ET. International wires to 84 countries with quoted FX before you send — not after.
Roles that match Notion, not 1998. Initiator/approver split, per-vendor approval thresholds, full audit trail exportable to your auditor in a single CSV.
Pick one, both, or start with checking and add treasury later. We make money on interchange and the spread between what the MMF earns and what we pay you.
"We moved from a Big Bank that took 4 days to wire payroll to Reservoir, which clears it in 11 seconds. The treasury sweep alone made us $4,408 in interest in 2025 — that's a designer's monthly retainer, earned by money that used to sit there."
Reservoir is a financial-technology company, not a bank. Deposits are held at Piermont Bank (Member FDIC) and other partner institutions, which carry the FDIC insurance and the obligation to return your funds — including if Reservoir itself goes away.
EIN, government ID, and your beneficial owners — that's the list. Your first wire can go out today.