Essentials
Everything a new company needs to bank.
$0/ month
- Checking and savings accounts
- Virtual and physical debit cards
- Free domestic wires and ACH
- Two team members
Open a business account online in ten minutes1, then run cards, payments and treasury from one place built for startups.
Ostra LabsOperating ••2093
Available balance
$0.00
No transactions
Larch is a financial technology company, not a bank. Banking services are provided by Ashgrove Bank, N.A. and Fennimore Trust, Members FDIC.
Each one below is the real product, running on sample data.
Issue a virtual card in a click, give it a limit and a purpose, and freeze it the moment it is done.
Invoices arrive by email and are read for you. Nothing leaves until the right person says yes.
$12,480.00
Move what you won't need this quarter into Treasury. It earns while it stays a day away from checking.2
Treasury balance
$0.00
Standard coverage stops at $250,000. Larch spreads your deposits so far more of it is insured.
Deposits are swept across 20 partner banks, each insuring up to $250,000.
Passkeys or a hardware key on every account, new devices approved by an admin, and fraud monitoring around the clock.
Limits per card, approvals per amount and roles per person, so money moves only the way you decided.
“We opened Larch on a Tuesday and paid our first contractor that afternoon. Two years and a Series A later, our finance team is still one person and a laptop.”
No minimum balance and no fees on domestic transfers, on every plan.
Everything a new company needs to bank.
$0/ month
For teams that pay people and vendors every week.
$29/ month
For finance teams running treasury across entities.
$200/ month