Owners Bank
Owners Bank is a digital-only SMB banking division of Liberty Bank offering business checking, high-yield savings, term loans, lines of credit, credit cards, and embedded invoicing/bill pay tools to small business owners across 14 US states.
- Company typePrivate
- Founded2023
- HeadquartersMiddletown, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
Owners Bank firmographics
Firmographics- Name
- Owners Bank
- Legal name
- Owners Bank
- Website
- https://ownersbank.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Owners Bank is a digital-only SMB banking division of Liberty Bank offering business checking, high-yield savings, term loans, lines of credit, credit cards, and embedded invoicing/bill pay tools to small business owners across 14 US states.
- Ownership category
- akta.pro rank
Where Owners Bank is headquartered
LocationHeadquarters
- HQ city
- Middletown
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Owners Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Interest Income on Deposits: Owners Bank offers interest-bearing checking and savings accounts. The bank pays interest on deposits (0.50% APY on Interest Checking, up to 3.05% APY on Savings) and earns revenue by lending these deposits at higher rates. This is the primary revenue mechanism for the bank's deposit products.
- Business Loans: Term loans up to $1,000,000 and lines of credit up to $250,000 generate interest income. The bank typically makes loan decisions within 24 hours and offers fixed interest rates on term loans with repayment terms up to 60 months.
- Business Credit Cards: Business credit cards with up to $50,000 limit earn interchange fees on transactions and interest income on carried balances. Cards include a rewards program (Own It! Rewards Points) and no annual fee.
- Transaction Processing Fees: The 'You Own It' checking account offers $0.25 rebate for each debit card transaction of $25 or more, funded through interchange fees on merchant transactions. Other fee income may include wire transfer fees and returned item fees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Interest Checking Special - Tiered APY on all balances |
| Subscription | Monthly | You Own It Savings - Tiered high-yield savings |
| Transaction based/ take rate | Monthly | You Own It Checking - Cash back rewards |
| Subscription | Monthly | Term Loan - Up to $1,000,000 |
| Usage-based | Monthly | Line of Credit - Up to $250,000 |
| Transaction based/ take rate | Monthly | Business Credit Card - Up to $50,000 limit |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Owners Bank product offering
Product offeringCore offering
Owners Bank is a digital-only business bank that delivers checking and savings accounts, term loans, lines of credit, and business credit cards to small business owners across 14 U.S. states, supplemented by built-in tools for invoicing, bill pay, expense tracking, and a unified financial dashboard — all accessible via web and mobile apps and backed by Liberty Bank.
Product overview
Owners Bank is a digital-only business banking platform built as a division of Liberty Bank, offering a unified suite of deposit accounts (checking and savings) paired with lending products and business management tools. The core banking products include "You Own It" Checking with debit card cash back rewards, Interest Checking Special with competitive APY rates, and "You Own It" Savings with tiered high-yield rates. Lending products consist of Term Loans (up to $1 million), Lines of Credit (up to $250,000), and Business Credit Cards (up to $50,000 limit). The platform integrates complementary business tools including a Personalized Dashboard for multi-bank account consolidation, Manage Payments for bill pay and automation, Get Money Faster for invoicing and digital payments, and Expense Tracking for categorization and financial habit analysis. All products share the digital banking platform as the unified access point.
Differentiator
Problem solved
Functional benefit
Products and services
- "You Own It" Checking Business checking account that pays a $0.25 cash-back rebate for every debit card transaction of $25 or more, with no monthly maintenance fee. Targets small business owners across Owners Bank's licensed U.S. states.
- Interest Checking Special Business checking account paying 0.50% APY on all balance tiers ($0.01–$10,000, $10,000.01–$100,000, and $100,000.01+), with no monthly maintenance fee and a $25 minimum to open.
- "You Own It" Savings Tiered high-yield savings account: 2.55% APY on balances $0.01–$100,000, 2.80% APY on $100,000.01–$200,000, and 3.05% APY on balances over $200,000. Includes mobile check deposit and savings goal management.
- Term Loan Business term loan up to $1,000,000 with fixed interest rates and repayment terms up to 60 months, used for major purchases by small businesses with more than six months of operating history. Loan decisions are typically rendered within 24 hours.
- Line of Credit Revolving line of credit up to $250,000 for working capital, cash flow management, inventory, and capital expenditures, with interest-only payments on drawn amounts. Available to businesses with more than six months in operation.
- Business Credit Card Business credit card with up to $50,000 credit limit, 10,000 bonus points for $1,200 of spend in the first 120 days (minimum 12 transactions), 1 point per $1 spent on eligible purchases, no annual fee, and surcharge-free ATM access via the Allpoint Network. Redeemable for travel, merchandise, and gift cards.
Quantifiable outcome
- Loan decisions made within 24 hours
- +3 more outcomes
Companies that use Owners Bank
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Owners Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Owners Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and supporting.
- Allpoint NetworkcorePartnership with Allpoint Network provides Owners Bank customers access to over 55,000 surcharge-free ATMs worldwide. This partnership enables the bank's surcharge-free ATM proposition, allowing debit cardholders to withdraw cash without fees at participating ATMs globally.
- QuickBookssupportingQuickBooks integration allows Owners Bank business checking and savings account holders to download account data and import it into QuickBooks for accounting purposes. This integration streamlines financial management for small business customers who use QuickBooks for bookkeeping.
- AutobookssupportingAutobooks accounting integration is available for Owners Bank business checking and savings account holders. The integration provides accounting functionality within the Owners Bank digital banking platform, allowing businesses to manage invoicing and accounting without third-party software.
- Allpoint NetworkcoreBusiness credit card customers also benefit from the Allpoint Network partnership for surcharge-free ATM access worldwide. The credit card operates on the Mastercard network with global acceptance.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Owners Bank competitors and assessment
Company assessmentDirect peers
- Mercury: Direct competitor in digital-only SMB banking; offers business checking, treasury/cash management, bill pay, and integrated software workflows aimed at startups and SMBs, directly overlapping Owners Bank's deposit + workflow bundle.
- Bluevine: Direct competitor for SMB banking plus working capital: provides business checking accounts integrated with invoice factoring, lines of credit, and term loans—the same product bundle Owners Bank is pursuing with deposits, credit lines, and term loans.
- Relay Financial: Direct competitor offering SMB banking with multiple sub-accounts, bill pay, and categorization tools; targets the same no-fee, automation-first SMB segment as Owners Bank.
- Novo: Direct competitor providing digital business checking plus invoicing, expense tracking, and integrations for small businesses and sole proprietors—the same persona and workflow bundle that defines Owners Bank.
- NorthOne: Direct competitor offering digital business banking for SMBs, with built-in invoicing, accounting integrations, and cash flow management tools targeting the same underserved SMB pain points Owners Bank targets.
- Found: Direct competitor for digital banking aimed at self-employed and small businesses, offering a business checking account, tax tools, and invoicing—directly comparable to Owners Bank's SMB workflow stack.
- Grasshopper Bank: Digital-focused commercial bank built specifically for SMBs and startups; provides business checking, loans, and treasury services targeted at the same digital-first small business segment.
- Live Oak Bank: Digital-leaning bank focused on small business lending and deposit products, particularly for emerging markets and franchises, with a similar digital SMB servicing model.
- Lili: Direct competitor offering digital banking for freelancers and sole proprietors—exactly the SMB / microbusiness segment Owners Bank lists as primary—with built-in expense categorization and tax tools.
Broad incumbents
- Bank of America: Broad incumbent that serves SMBs through Business Advantage deposit accounts, working capital lines, and credit cards, directly competing with Owners Bank's product set at much larger scale but with the legacy fee structure and slower underwriting Owners Bank is explicitly positioned against.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights5 records
Customer concentration
Owners Bank social profiles
Digital presenceOwners Bank compliance and trust
Trust signalCompliance2 records
Owners Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Owners Bank leadership team
Management profileNumber of profiles
Owners Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Owners Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Owners Bank
What does Owners Bank do?
Owners Bank is a digital-only business bank that delivers checking and savings accounts, term loans, lines of credit, and business credit cards to small business owners across 14 U.S. states, supplemented by built-in tools for invoicing, bill pay, expense tracking, and a unified financial dashboard — all accessible via web and mobile apps and backed by Liberty Bank.
Is Owners Bank a public or private company?
Owners Bank is a private company. It is classified as corporate owned and is currently operating.
When was Owners Bank founded?
Owners Bank was founded in 2023. It employs 11 to 50 people.
Where is Owners Bank based?
Owners Bank is headquartered in Middletown, United States, in the North America region.
How does Owners Bank make money?
Four revenue lines are on record. Interest Income on Deposits are the primary driver. The others are business Loans, business Credit Cards and transaction Processing Fees.
Who are Owners Bank's main competitors?
Direct peers on record are Mercury, Bluevine, Relay Financial, Novo, NorthOne, Found, Grasshopper Bank, Live Oak Bank and Lili. Bank of America is listed as a broad incumbent.
Does Owners Bank have an API?
No public API is recorded for Owners Bank.