Autobooks Smart Checking

You provide the account,
we power the technology

Business checking has not kept pace with the needs of business owners.
Traditional accounts do the job of holding deposits, but busy owners need an account experience that supports their daily financial workflows — not one that simply keeps a balance.

Autobooks Smart Checking is the smarter account experience designed for today’s business owners.

It integrates payments, accounting, and financial reporting directly into your digital account experience. Helping your institution attract, engage, and retain small business deposits.

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The Market Opportunity

97M

33M small businesses and 64M independent workers operate in the United States

91%

earn less than $1M annually and most employ fewer than four people

65%

of small businesses use fintech tools because their bank does not offer what they need
The opportunity for your financial institution.
Upgrade your business checking experience to attract more small businesses and deepen primacy with existing relationships.

Why Business Checking
Needs an Upgrade

Traditional business checking was built for a paper-based world, where cash and checks dominated and monthly item limits defined account tiers. That structure no longer fits the realities of digital-first businesses that accept cards, send online invoices, and expect real-time visibility into their cash flow.

Non-bank competitors now embed financial services directly into their platforms, capturing deposits, loan activity, and payment volume that once belonged to financial institutions.

Autobooks Smart Checking brings that functionality to your institution, giving you the modern account experience small business owners value.

A Better Small Business Checking Experience

Autobooks Smart Checking integrates the tools business owners need into your digital account experience. 

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Embedded Accounting and Reporting

Give customers real-time visibility into income, expenses, and cash flow directly within their account. Business owners can categorize transactions, generate financial reports, and understand performance without leaving their banking experience.

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Integrated Payment Acceptance

Enable businesses to send invoices or share a payment link so they can accept card or ACH payments directly into their checking account. Modern payment acceptance becomes as standard as remote deposit capture or bill pay.

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Dynamic Advance Line

Offer qualified businesses a working capital advance based on their receivables and cash flow data. Keep smaller lending relationships in-house by offering timely, data-driven access to capital.

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Unified Financial Workflow

Bring invoicing, payables, accounting, and reporting together in one seamless experience. Reduce reliance on third-party apps and strengthen deposit primacy with an account that becomes part of the business’s daily workflow.

The Competitive Edge

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Differentiate your
checking lineup

Deliver built-in tools that small business owners value most.

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Increase account
primacy and retention

Offer daily-use functionality that keeps deposits and transactions within your institution.

With Autobooks Smart Checking, your account becomes more than a place to store funds. It becomes the platform your business customers rely on to manage and grow their operations. 

Autobooks Smart Checking

Upgrade your business checking.
Strengthen your relationships. 

Because the account should do more than hold money; it should help run the business. 

Schedule time with an Autobooks team member to discuss:
  • Migrating free business checking, and businesses within free retail accounts, account, into a business checking account worth paying for.
  • Integration options with your digital banking provider.
  • Deposit impact of enabling integrated receivables and working capital solutions within business checking.
  • Reduce treasury team workflow by offering a purpose-built, self-service solution for small businesses.