Ferncross
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Serious banking.
Simpler books.

Open an account in nine minutes and run every financial workflow1 from one place.

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All accounts

Updated 9:41 AM

30 daysQuarterYear

$3,184,207.42

Invoicing

$18,420.00

14 open · 3 overdue

Credit card

$10,423.00

$41,800 available

Bill pay

9

Outstanding · 2 due soon

Ferncross is a financial technology company, not a bank. Banking services provided through Kestrel State Bank, Alder Union N.A., and Merrowbank & Trust; Members FDIC.

Let banking power your financial operations

Banking should do more for the business behind it. Now it does.

Explore the demo
01Banking
02Reserve
03Cards and expenses
04Bill pay
05Invoicing
06Accounting sync
07Founder credit
Figure AFerncross

Speed without compromise

Run banking1 and every finance workflow from one dashboard.

Finish any banking task in four clicks or fewer

“An operator’s dream. Ferncross has the speed, the plain language, and the reporting I need to get back to running the company. Every number is one search away.”

Inès DelacroixCEO & co-founder, Perch Labs

Transfer between your accounts

$30,000.00

Savings ··1038$1,320,201.00
Reserve$200,000.00
Back Transfer

Amount & source

$ 1,248.99
Ops / PayrollChecking ··1038
TodayJun 9, 2026
Repeat this payment

Send and receive payments without the wait

Set auto-transfer rules and send domestic wires at no cost.

Checking & Savings
FC

Operations card

···· ···· ···· 0417

Corveta

Reach a company credit line at a lower deposit floor2

Flat 1.4% cashback3 on everything the team spends.

Explore Cards

Bank with complete confidence

Ferncross

Your deposits sit in your own name, in federally regulated accounts opened by our partner banks.

How Ferncross Works

Every financial workflow. None of the sprawl.

With a Ferncross account behind your banking1 and books, you are already in the flow.

Handle every bill with precision

Explore Bill Pay

  • Hold your cash longer by cutting out third-party processing
  • Let extraction fill in bill details from the PDF
  • Stack approval layers and clear them from your chat tool
  • Never pay twice — duplicate bills are flagged before approval

$4,874.75

99990101
123456789
CC-4307
Dec 12, 2025
Jan 19, 2026
Back Review & Pay
Invoice colour

Invoice

From
Northlight Studio
billing@northlight.studio
118 Quarry Lane
Providence, RI 02903
To
Benedikt Aumann
ben@perchlabs.co
4 Ashgrove Road
Austin, TX 78704
Details
Invoice no · INV-12336
PO no · PO-12345
Line itemsQuantityAmount
Brand system / enterprise1$1,000.00
Integration fee1$300.00
Total$1,300.00
Terms
Invoice date · 9/01/26
Due date · 10/01/26
Pay via · ACH, card, wire
Memo
Thanks for your business.

Invoicing that is easy on your customers too

Explore Invoicing

  • Send a finished invoice in a few minutes
  • Get paid by card, phone wallet, wire, ACH transfer, or ACH debit for subscribers
  • Schedule recurring invoices and polite reminders
  • Reconcile without spreadsheets — payments match themselves to invoices

Control spend at any headcount

Manage Expenses

  • Issue company cards and reimburse expenses in one place
  • Tailor permissions to each teammate
  • Lock a card to a single merchant
  • Spot duplicate subscriptions before renewal
  • Publish company-wide spend policies in minutes
Priya’s company card✕
FC

Priya’s company card

···· ···· ···· 0417

Corveta
Details
Freeze
Limits
Nickname
Daily limit$1,000.00
Posted− $3,215.00
Pending− $300.42
Available to spend$484.58
Merchant lockLarkfield Foods
tallybook Tallybook

Close the books quickly and accurately

Explore Accounting Sync

  • Push transactions to Tallybook, Ledgerly, or Ironvale
  • Write rules that code card spend and expenses for you
  • See bills, cards, staff expenses, and incoming money on one ledger
  • Review transactions with receipts and notes attached in line

Your gateway to a longer runway

Grow with Ferncross Reserve4 and financing built into the account you already use.

Earn up to 4.18% yield4 on idle cash in portfolios managed by Ashfield Asset Management and Calderon Capital

Start Earning with Reserve

Current portfolio

  • 72% Ashfield
  • 28% Calderon

$9.4M

Balance Draw request

Fuel growth with founder-friendly venture debt5

Grow with Venture Debt

Post-money note to Jonah Marrin

$247,500.00

SignatureSigned on Feb 7

Speed up the raise with free post-money notes

Create a Note

Pricing that scales with you

Powerful banking1 at no cost, and advanced finance workflows from $32 a month.

Compare plans Annual pricing (16% off)

Ferncross

$0/mo.

Banking and finance essentials included with every account.

Open Account

Jump to section:

*Reserve unlocks at a $320K Ferncross balance.

Ferncross Plus

$32/mo.

For teams that need tighter invoicing and fewer manual steps.

Open Account

Everything in a Ferncross account, plus:

  • Invoice with ACH debit ($1/transaction)
  • Recurring invoices
  • Invoicing API (in preview)
  • Multiple GL codes on bill payments
  • Reimburse up to 24 people a month+ $5 per additional active user

Ferncross Pro

$276/mo.

For finance teams with layered operations and a named contact.

Open Account

Everything in Plus, and more:

  • Named account manager
  • Invoice with ACH debit ($0/transaction)
  • Ironvale categorisations
  • Reimburse up to 240 active users+ $5 per additional active user

Get in touch with our team for custom pricing and plan options.

Ferncross backs more than 164,000 companies as they scale.

Open Account