Business
banking
made
easy
Cumin makes the hardest parts of running your business easy.
Open an account in minutes.¹
Cumin is a financial technology company, not a bank. Banking services provided by The Cross River Bank; Member FDIC.
AS FEATURED IN
Trusted
by
100+
Black & Brown-owned
businesses
Cumin makes banking simple for small businesses. By talking to real business owners, we built a banking experience that takes the stress out of managing your day to day finances.
Cumin is a financial technology company, not a bank. Banking services are provided by The Cross RIver Bank; Member FDIC.
GO BRANCHLESS
Make deposits from
anywhere
Deposit checks through the Cumin mobile app²
Move cash through one of America's largest networks⁵
ENVELOPES
Plan and budget for what matters most
Create Envelopes to automatically budget for taxes, payroll, rent, and other business expenses.
NorthOne Envelopes let you designate a portion of your balance to view on the mobile app or website to help you stay organized.
INTEGRATIONS
Connect to the apps your business uses every day
CUSTOMER CARE
Instant support from real human beings
Talk to a local customer support expert who understands your business.
Want to see how quickly we’ll answer?
Click the chat box in the corner and say hello.
FOR NEW BUSINESSES
Open a Black Pepper Account 7
$10 per month
- No hidden fees
- No minimum balance
- No commitment
- Cancel anytime
Unlike some bank accounts, there's no charge for
.
FOR GROWING OPERATIONS
Open a Nutmeg Account 7
$15 per month
- No hidden fees
- No minimum balance
- No commitment
- Cancel anytime
Unlike some bank accounts, there's no charge for
.
FOR GENERATIONAL WEALTH
Open a Saffron Account 7
$20 per month
- No hidden fees
- No minimum balance
- No commitment
- Cancel anytime
Unlike some bank accounts, there's no charge for
.
© 2019-2021 EXTRA FINANCIAL INC. (DBA CUMIN) SEE PRIVACY POLICY
¹CUMIN OFFERS A BASIC 0.25% CASH BACK ON ALL ELIGIBLE PURCHASES WITH A DAILY $10 TOTAL REWARD CAP. IN CERTAIN CASES, CUMIN MAY PARTNER WITH SELECTED VENDORS TO OFFER ADDITIONAL CASH BACK REWARDS ON ELIGIBLE PURCHASES FOR UP TO 10%. PLEASE REFER TO CHEESE’S MOBILE APPLICATION FOR A COMPLETED LIST OF PARTICIPATING VENDORS AND CURRENT CASH BACK INCENTIVES. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CUMIN TERMS AND CONDITIONS AGREEMENT.
²CURRENTLY, CUMIN OFFERS A BASIC 0.3% (ANNUAL RATE) SIMPLE DEPOSIT BONUS. EACH USER IS ELIGIBLE FOR A BONUS EQUAL TO 0.3% (ANNUAL RATE) OF THEIR DAILY BALANCE. THERE IS NO MINIMUM BALANCE REQUIRED TO EARN THIS BONUS, AND IT IS CREDITED TO THE USER’S CUMIN ACCOUNT ON THE FIRST DAY OF THE FOLLOWING MONTH. THE EXACT SIMPLE CALCULATION OF THIS DEPOSIT BONUS IS YOUR DAILY BALANCE IN THE CHEESE ACCOUNT X 0.3% / 365. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CUMIN TERMS AND CONDITIONS AGREEMENT.
³TRADITIONAL BANKS ON AVERAGE HAVE AN INTEREST RATE OF 0.06% FOR CHECKING ACCOUNTS. DATA PROVIDED BY VALUE PENGUIN.
⁴EARLY DIRECT DEPOSIT MAY POST UP TO 2 DAYS EARLIER THAN THE SCHEDULED PAYMENT DATE. EARLY DIRECT DEPOSIT OF A PAYCHECK DEPENDS ON FACTORS SUCH AS THE TIMING OF THE PAYER’S DEPOSIT TRANSMISSION, AND THE TYPE OF PAYER TRANSMITTING THE DEPOSIT. ADDITIONAL TERMS, CONDITIONS, AND EXCLUSIONS APPLY AND CAN BE FOUND IN THE CHEESE TERMS AND CONDITIONS AGREEMENT.
⁵FOR MORE INFORMATION REGARDING MASTERCARD’S ZERO LIABILITY PROTECTION, PLEASE VISIT MASTERCARD BENEFITS.
⁶BANKING PRODUCTS AND SERVICES ARE PROVIDED BY COASTAL COMMUNITY BANK, MEMBER FDIC. SEE PRIVACY POLICY . CUMIN ACCOUNTS ARE FDIC-INSURED UP TO $250,000 PER DEPOSITOR THROUGH COASTAL COMMUNITY BANK, MEMBER FDIC. THE CHEESE DEBIT CARD IS ISSUED BY COASTAL COMMUNITY BANK, PURSUANT TO LICENSE BY MASTERCARD INTERNATIONAL.
⁷ON AVERAGE, BANKS CHARGE $329 FEES PER ACCOUNT PER YEAR. BASED ON BANK FEE FINDER 2017 REPORT. THE FULL REPORT COULD BE ACCESSED HERE.