Meow Bank Interactive Demo
Explore a product demo of Meow Bank, a fintech company offering business banking services, including high-yield checking accounts with competitive interest rates and no monthly fees.
What is Meow Bank?
Meow is a fintech platform that helps businesses earn yield on idle cash by investing in Treasury bills and money market funds, while keeping funds liquid and FDIC insured. Founded in 2022, Meow targets startups and SMBs that typically hold cash in business checking accounts earning near-zero interest.
Meow's core offering lets businesses move excess cash into short-term Treasury investments that earn yields significantly above standard business savings accounts. The platform provides same-day or next-day liquidity so businesses maintain access to their funds while earning better returns.
Meow is not a bank but a cash management platform that partners with banks and brokerages to provide both FDIC insurance coverage and Treasury investment products through a simple dashboard.
How to get started with Meow Bank
- 1
Create your business account
Apply at meow.com with your business information and EIN. Meow onboards LLCs, C-Corps, and S-Corps with a fully digital application process.
- 2
Connect your bank account
Link your existing business bank account via Plaid for ACH transfers. Meow does not replace your checking account — it acts as a yield-earning layer for excess cash.
- 3
Transfer idle cash
Transfer cash you don't need for immediate operations into Meow. Funds are invested in Treasury bills or money market funds based on your selected term and risk preferences.
- 4
Track your yield
View your current yield rate, accrued interest, and total portfolio value in the Meow dashboard. Compare against what your business checking account was earning.
- 5
Withdraw when needed
Request a withdrawal and receive funds in 1 business day (same-day for some products). Meow is designed for liquidity — you're not locked into fixed terms.
Who is Meow most useful for?
Startups and venture-backed companies sitting on significant cash raises who want to earn yield on their runway without locking up funds. Use Supademo to walk your finance team through Meow's interface and investment options.
SMB owners who keep large cash balances in business checking accounts earning 0% interest. Meow provides a simple path to Treasury-backed yield.
CFOs and finance teams managing corporate treasury who want simple, low-risk yield on operating cash above their 3-6 month runway buffer.
Accounting teams who need to manage multiple cash positions across checking and investment accounts with clear visibility into liquidity.
Alternatives to Meow Bank
Looking for alternatives to Meow Bank?
Here are four tools worth evaluating depending on your needs.
Mercury's built-in cash management product that sweeps idle cash to Treasury bills. If you already bank with Mercury, Vault is simpler than adding Meow as a separate tool.
Brex's cash management product for companies using Brex for banking and cards. Similar Treasury-focused yield on idle cash.
Full business banking with built-in treasury management. More comprehensive than Meow but requires switching banking relationships.
High-yield cash account for businesses with strong APY. Designed more for personal finance historically, now expanding to business.
FAQs on Meow Bank
Commonly asked questions about Meow Bank. Have more? Reach out and our team will be happy to help.
Is Meow FDIC insured?
Yes. Meow extends FDIC insurance coverage up to $125M through a network of partner banks. For Treasury investments, coverage is through the securities themselves, which are backed by the US government.
What yield does Meow offer?
Meow's yield tracks short-term Treasury rates, which fluctuate with Federal Reserve policy. At current rates, yields are significantly above typical business savings account rates. Check meow.com for current rates.
How quickly can I access my money?
Standard withdrawals take 1 business day. Some Meow products offer same-day liquidity. Funds are not locked into fixed terms — Meow prioritizes capital accessibility for operating businesses.
Is Meow only for startups?
No. Meow serves any US-based business — from solo LLCs to established SMBs. The platform is particularly popular with venture-backed startups but accessible to any business with idle cash to optimize.
Does Meow replace my business bank account?
No. Meow is a cash management layer, not a replacement bank account. You keep your existing checking account for operations and transfer excess cash to Meow for yield.
What are the fees?
Meow charges a small management fee on assets held in the platform. Specific fee details are available on meow.com and depend on the investment product selected.