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Arc

startup-banking · US
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Arc is a financial platform built specifically for venture-backed and high-growth startups that need to manage large cash balances safely and efficiently. Its core differentiator is treasury management — Arc sweeps deposits across multiple FDIC-insured partner banks to provide up to $5 million in FDIC coverage, significantly above the standard $250,000 single-bank limit. This makes Arc particularly valuable for startups that have raised significant funding and need to protect that capital while earning competitive yields. The platform combines high-yield business checking, savings, and money market accounts with AI-powered cash flow forecasting and runway analysis. Arc also offers a corporate card and integrates with the accounting and payroll tools that startups use. Its AI assistant surfaces insights about burn rate, runway, and cash position that help founders make informed financial decisions without a full-time CFO.

Quick Answer

Arc is designed for smb and enterprise businesses. A free tier is available. Best suited for US-based businesses. Up to $5 million FDIC coverage through multi-bank sweep — essential for startups with large cash balances

Pricing

ArcFree

// verify pricing before launch — prices shown may not reflect current vendor rates

Key Features

  • •Multi-bank FDIC coverage up to $5 million through deposit sweeping
  • •High-yield business checking and savings accounts
  • •AI-powered cash flow forecasting and runway analysis
  • •Corporate card with integrated expense management
  • •Real-time financial dashboard with burn rate tracking
  • •Multi-currency accounts for international operations
  • •Accounting integrations with QuickBooks and Xero
  • •Wire transfers domestic and international

Pros

  • +Up to $5 million FDIC coverage through multi-bank sweep — essential for startups with large cash balances
  • +High-yield rates on deposits competitive with money market funds
  • +AI runway and burn rate analysis gives founders CFO-level visibility without a CFO
  • +Multi-bank diversification reduces counterparty risk for large deposits
  • +Free base platform with no monthly fees
  • +Built specifically for startup financial needs — team understands the ecosystem

Cons

  • −US only — no international banking
  • −Newer platform with shorter track record than Mercury or Brex
  • −Best suited for funded startups with significant cash balances — less valuable for bootstrapped businesses
  • −Corporate card credit limits depend on cash balance held with Arc
  • −Customer support less established than larger competitors
  • −Some features still maturing as platform develops

Available on

WebiOSAndroid

Integrations

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Reviewed by Finatune · Last updated 2026-07-01