Manage your practice's money all in one place with banking that syncs every dollar to your bookkeeping and taxes.
Banking that fits the way you actually run your practice.
Banking, bookkeeping, and taxes under one login. Every transaction syncs into your books and tax workflow automatically. No more exports, second tools, or spreadsheets.
Open a checking or savings account with no minimums or hidden fees, and earn interest on every dollar. Get physical and virtual debit cards with spend controls and instant lock.
Multiple accounts for taxes, owner draws, and savings keep your money where it needs to be. Every supervision payment, CE credit, and EHR subscription gets sorted into therapist-friendly tax categories automatically so you have clean books year-round and never miss a deduction again.
A complete business account designed for therapists — with none of the fees, minimums, or busywork of a traditional bank.
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Share a few details about yourself and your business.
Connect your bank to Heard so you never have to lift a finger again.
Virtual card appears in your platform immediately, and your physical card ships that same day.
Yes. Heard Banking accounts are provided by i3 Bank, Member FDIC, with banking technology powered by Unit. Deposits are insurance eligible up to $3M per depositor through our partner bank network. Heard is not a bank — we're the financial platform that sits around the account and does the work banks don't.
Yes. Keep your current bank if you want. Open Heard Banking as the account for your practice, then connect your existing bank during setup so you can move money over when you're ready.
Approval is decided by i3 Bank. If your application isn't approved, you can still use Heard for bookkeeping and taxes. Our team will walk you through what happened and what options you have.
Open your Heard Banking account, transfer your funds, then update payroll, insurance, and client-pay destinations to the new account. Most practices finish the move in a few days.
Use the same Heard login. Once the account is open, transactions flow in and categorize automatically against the books you already have in Heard.
No monthly fee, no minimum balance, and no overdraft fees. Limited foreign-transaction fees may apply depending on how you use the card.
Heard Banking pays a tiered 1.00% to 2.50% APY. The rate is variable, and interest is compounded and credited monthly.
Yes. Heard Banking is a business account for your practice. You can apply even if you also have W-2 income alongside 1099 work.
Yes. Keep owner draws, payroll, and tax reserves in separate accounts so the books stay clean as an S corp.
*Heard Banking is a financial technology, not a bank. Banking services provided by i3 Bank, Member FDIC. Banking technology powered by Unit Finance, Inc. The Heard Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. Deposits may be eligible for up to $3 million of FDIC insurance through a network of participating banks. Each participating bank is FDIC insured up to $250,000 per depositor, per bank. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied.
**Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.
***No account or domestic transaction fees. Some foreign transaction fees may apply in limited circumstances.
Heard Technologies, Inc. 113 Cherry St PMB 77170, Seattle, WA 98104