FAQ & Support

Q: Is Hamilton Rock a bank?

No. Hamilton Rock is a financial technology company, not a bank. Banking services are provided through trusted partners, including Fifth Third Bank, Celtic Bank, Visa U.S. and Stripe.

Q: Are my funds protected?

Funds are securely held at Hamilton Rock's partner bank, Fifth Third Bank, Member FDIC. Hamilton Rock accounts are eligible for FDIC pass-through deposit insurance of up to $250,000 per business entity, provided applicable FDIC requirements are met.

Q: Can I connect my ecommerce stores and payment platforms?

Yes. Hamilton Rock lets ecommerce businesses connect stores and payment platforms in a few clicks, helping track platform KPIs, payouts and financial data from one platform.

Q: Can I connect my accounting software?

Yes. Hamilton Rock will allow users to connect popular accounting software, including QuickBooks, Xero, FreshBooks and other major platforms, helping keep financial data accurate and up to date.

Q: How does the 1.5% cashback card work?

Hamilton Rock provides a business spend card that earns 1.5% cashback on qualified purchases. Cashback is calculated on completed transactions and paid into the Hamilton Rock account each month, subject to the Cashback Terms.

Q: How do you contact support?

Hamilton Rock support can be contacted by email at alexander@hamiltonrock.com, by phone on +1 (516) 336-4214, or through live chat in the Hamilton Rock dashboard.

Question

What happens to my money if Hamilton Rock stops operating?

Answer 1

Your money is held in your business’s name at our partner bank, Fifth Third Bank, Member FDIC.

Hamilton Rock provides the technology platform that helps you manage your accounts, but the bank holds the funds. This means your money remains safely held at the bank, even if Hamilton Rock were no longer operating.

Eligible deposits are also covered by FDIC pass-through deposit insurance up to $250,000 per depositor, per ownership category, provided the applicable FDIC requirements are met. This gives you the same level of protection many traditional bank customers receive.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Funds held in Financial Accounts are deposited at one or more FDIC-insured depository institutions. Subject to the satisfaction of applicable FDIC requirements for pass-through insurance, deposits are eligible for FDIC insurance coverage up to $250,000 per depositor, per insured depository institution, for each ownership category, in accordance with the rules and regulations of the Federal Deposit Insurance Corporation (FDIC).

Hamilton Rock Financial Services Corp and Stripe are financial technology companies and are not FDIC-insured depository institutions. FDIC deposit insurance protects against the failure of an FDIC-insured depository institution where deposits are held.

Answer 2

You can fund your Hamilton Rock account in several easy ways. You can transfer money from another bank account using ACH, send a domestic wire transfer, or add funds using a card, Apple Pay, or Google Pay.

You can also receive payouts directly from your Ecommerce stores and payment platforms, such as Stripe, Shopify, Amazon, PayPal, and others.

Once your account is funded, you can start using your Hamilton Rock spend card and instantly earn 1.5% cashback on eligible purchases, helping your business earn money back on everyday spending.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 3

Most Ecommerce businesses receive payments through online stores, marketplaces, and payment platforms, which can send payouts directly to your Hamilton Rock account. You can also fund your account using ACH transfers, domestic wire transfers, cards, Apple Pay, or Google Pay.

This digital-first approach makes it faster and easier to manage your business finances without needing to visit a bank branch.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

‍Hamilton Rock is built for digital-first Ecommerce businesses, so we currently do not support cash deposits.

Answer 4

Yes. You can send and receive ACH transfers directly from your Hamilton Rock account to and from other bank accounts across the United States.

ACH transfers are commonly used for paying suppliers, contractors, and business expenses, as well as receiving payments from customers or other businesses.

You can create, track, and manage ACH payments directly from your Hamilton Rock dashboard, making it easy to move money and stay in control of your Ecommerce business finances. Standard ACH takes between 1-3 business days, whereas Same Day ACH typically arrives the same business day.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 5

Yes. You can send and receive domestic wire transfers directly from your Hamilton Rock account to and from other U.S. bank accounts.

Wire transfers are useful when you need to move larger amounts of money quickly, such as paying suppliers, making business purchases, or transferring funds between banks.

You can create and manage wire transfers directly from your Hamilton Rock dashboard, giving your Ecommerce business a fast and reliable way to move money when it matters most. Domestic Wire Transfers: usually the same business day, often within hours if sent before bank cut-off times

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 6

Yes. You can instantly move money between your Hamilton Rock accounts and Cashboxes, helping you organise and manage your business finances with ease.

For example, you can quickly move funds between accounts for spending, saving, or budgeting, or set money aside in a Cashbox to keep it separate from your day-to-day operating funds.

You can also make payments directly from your accounts or Cashboxes, giving you flexibility and full control over how your Ecommerce business manages and moves money.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 7

Yes. Like all financial accounts, certain transaction limits apply to help keep payments secure and protect against fraud.

Typical limits may include:

Card spending: up to $5,000 per day per card

ATM withdrawals: up to $500 per day

ACH transfers: starting around $5,000–$25,000 per day, with higher limits available for established businesses

Actual limits may vary depending on your account activity, business history, and risk checks, and you will always be able to see your current limits inside your Hamilton Rock dashboard.

Hamilton Rock is built to support growing Ecommerce businesses, so limits can increase as your business grows.

If your business requires higher or custom limits, our team is happy to help, simply contact support and we’ll work with you to find the right solution.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 8

If a payment cannot be completed, it will usually be returned to your Hamilton Rock account.

This can happen for a few common reasons, such as incorrect account details, insufficient funds, or the receiving bank rejecting the payment.

If a payment fails, you will see the status and details in your Hamilton Rock dashboard, so you can quickly understand what happened and resend the payment if needed.

Our goal is to make payments clear, transparent, and easy to manage, so you always know where your money is and what action to take.

If you need help resolving a payment issue, our support team is always available to assist you

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 9

If you notice a problem with a transaction, you can contact the Hamilton Rock support team right away and we will help investigate it.

You can reach us through live chat (IM) in your dashboard, by email, or by phone. Our team will review the transaction, explain what happened, and guide you on the next steps if action is required.

Our goal is to resolve issues quickly and transparently, so you always feel confident that your Ecommerce business finances are in safe hands.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock Spend Card Visa® Prepaid Cards are issued by Celtic Bank. Hamilton Rock is a financial technology company, not a bank.

Answer 10

Yes. Eligible balances in your Hamilton Rock accounts can earn Earnings Rewards.

Earnings Rewards work in a similar way to interest or APY at a traditional bank, but because Hamilton Rock is a financial technology company and not a bank, we describe this as a reward on your balance rather than interest.

The reward is calculated using an earnings rate equivalent to 1.39% (Deleted: APY), accrued daily based on your eligible balance, and credited to your account monthly.

This means your business can earn more on idle cash, while your funds remain securely held at our partner bank.

For full details, please see the Earnings Rewards Terms.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 11

When you sell online, the amount deposited into your bank account is usually different from your total sales.

This is because payment platforms such as Stripe, Shopify Payments, Amazon, and PayPal deduct certain items before sending the final payout to your bank. These can include payment processing fees, refunds, returns, chargebacks, marketplace commissions, currency conversion fees, or rolling reserves.

Because of this, the final payout that reaches your bank account is often lower than your gross sales, which can make reconciliation difficult.

Hamilton Rock is designed specifically for Ecommerce businesses, which is why we are building Automated Payout Reconciliation. This will help you automatically match your orders, payment reports, and bank deposits, so you can clearly see where every dollar went and reduce hours of finance admin.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 12

Automated payout reconciliation is a feature that helps your Ecommerce business match the money you receive in your bank account with the sales recorded in your online stores.

When you sell online, the payout you receive from platforms like Stripe, Shopify Payments, Amazon, or PayPal is usually different from your total sales because of processing fees, refunds, chargebacks, marketplace fees, and other adjustments.

Hamilton Rock automatically compares three key data sources — your store orders, your payment platform settlement reports, and the deposit that arrives in your bank account. This is often called a “three-way match.”

By automatically matching these records, Hamilton Rock helps you see exactly where every dollar went, reduce reconciliation errors, and save hours of finance admin every week

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 13

Yes. Hamilton Rock lets you connect your Ecommerce stores and payment platforms in just a few clicks.

Setup takes less than 30 seconds and usually only requires two simple steps. There is no technical knowledge required and no need to deal with connectors, APIs, or complicated integrations.

Once connected, Hamilton Rock can automatically see all your platform KPIs, track payouts from your stores and payment platforms, helping you keep your finances organised and making it easier to manage and reconcile your Ecommerce income, all from one platform.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 14

Yes. Hamilton Rock will allow you to securely connect your existing bank accounts from many major banks, such as Bank of America, Chase, Citi, Wells Fargo, and others.

Once connected, you will be able to view balances and transactions from those accounts directly inside your Hamilton Rock dashboard, giving you a clearer picture of your overall finances in one place.

This makes it easier to track your cash across multiple accounts, plan upcoming payments, and manage your Ecommerce business finances more efficiently.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 15

Yes. Hamilton Rock will allow you to connect popular accounting software, including QuickBooks, Xero, FreshBooks, and other major platforms.

Once connected, Hamilton Rock can automatically send key financial data — starting with your sales data — directly to your accounting software. This helps keep your books accurate and up to date without manual work.

By automating this process, Hamilton Rock can save you hours of finance admin, reduce errors, and make it easier for your accountant or bookkeeper to prepare your accounts.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 16

Scheduled payments are coming soon to Hamilton Rock.

This feature will allow you to plan and schedule future payments directly from your Hamilton Rock account, helping you stay on top of upcoming expenses such as supplier payments, subscriptions, and recurring business costs.

Scheduling payments in advance helps you manage your cash flow more easily, avoid missed payments, and keep your Ecommerce business running smoothly.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 17

International transfers are coming soon to Hamilton Rock.

We are building next-generation secure international payments, designed specifically for Ecommerce businesses that sell and operate globally. This will allow you to send money across borders quickly, securely, and directly from your Hamilton Rock account.

Our goal is to make international payments as simple and fast as sending a local transfer, helping Ecommerce businesses move money around the world with confidence.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 18

A Hamilton Rock Spend Card is a commercial business card that works like a debit card.

When you make a purchase, the money is paid directly from your Hamilton Rock account balance, rather than borrowing money like a credit card.

We call it a Spend Card because Hamilton Rock is a financial technology company and not a bank, but it works the same way most businesses use a debit card.

You can issue up to 20 cards instantly for your team, control spending for each card, and earn 1.5% cashback on eligible purchases.

Hamilton Rock partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Hamilton Rock Spend Card Visa® Prepaid Cards are issued by Celtic Bank.

Answer 19

The Hamilton Rock Spend Card is designed to give Ecommerce businesses simple, secure control over their spending.

You can issue up to 20 cards instantly for your team, making it easy to manage expenses across your business. Each card can be controlled directly from your Hamilton Rock dashboard, where you can set spending limits, restrict certain merchant categories, or freeze and unfreeze cards instantly.

Every time you use your card for eligible purchases, you earn 1.5% cashback, helping your business earn money back on everyday spending.

You can also track transactions in real time, giving you clear visibility and control over how your Ecommerce business spends money.

Hamilton Rock partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Hamilton Rock Spend Card Visa® Prepaid Cards are issued by Celtic Bank.

Answer 20

Hamilton Rock provides a business spend card that lets you pay for everyday business expenses directly from your account.

You earn 1.5% cashback on qualified purchases and is automatically credited back to your account the following month.

Qualified business purchases are primarily transactions such as cash withdrawals, cash-equivalent transactions, balance transfers, and similar non-purchase transactions.

For full details, please see Cashback terms.

Hamilton Rock partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC. Hamilton Rock Spend Card Visa® Prepaid Cards are issued by Celtic Bank.

Answer 21

Hamilton Rock is a financial technology company built for U.S. ecommerce businesses. You use it to manage your business money in one simple platform. Hamilton Rock helps you grow your online business by giving you powerful financial accounts, AI cash-flow tools that help you optimize your cash flow, fast global payments, and access to fair and fast capital — all in one place designed for modern ecommerce.

Answer 22

Hamilton Rock is built for U.S. ecommerce businesses that sell goods and services online. You might sell through your own website, online stores, marketplaces, or payment platforms. Whether you run one store or several, Hamilton Rock gives you a simple way to manage your money, control your cash flow, and grow your business.

Answer 23

Click “Join the Waitlist,” enter your email address and you’ll be first to know when Hamilton Rock goes live.

Your details are safe with us. We don’t spam, and we don’t share or sell your data.

Answer 24

Opening a Hamilton Rock account is simple and only requires a few basic details about your business.

You will typically need your legal business name, EIN, business address, a short description of what your business sells, and details for your owners or controllers.

Sometimes we may ask for supporting documents, such as your business formation documents (for example an LLC or incorporation certificate), identification for beneficial owners, and links to your online stores or marketplaces.

You only need to upload copies of these documents, and if you do not have everything ready, you can save your application and return later to finish it.

If you need help at any stage, our support team is always available to guide you through the process

Hamilton Rock partners with Stripe Payments Company for money transmission and account services. Hamilton Rock is a financial technology company, not a bank.

Banking services are provided by Fifth Third Bank, Member FDIC. Hamilton Rock Visa® Commercial Cards are issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.

Answer 25

Most applications are reviewed quickly, and many accounts are opened within minutes. If we need additional documents or verification, the process may take up to 1–2 business days.

Answer 26

Most businesses that meet our requirements are able to open a Hamilton Rock account. However, in some cases an application may not be approved.

This can happen if we are unable to verify the business or its owners, if the business does not meet our eligibility requirements, or if the business operates in industries that financial regulations do not allow us to support.

If additional information is needed, our team may contact you during the application process.

Hamilton Rock aims to make opening a business account simple, transparent, and fast, and we will always try to guide you through the process wherever possible.

Answer 27

Yes. When you open a Hamilton Rock account, you are opening a bank account held at our partner bank, Fifth Third Bank, in your business’s name. You can receive payouts, send ACH transfers and wires, and move money just like you would with a regular business checking account.

Because Hamilton Rock is a financial technology company and not a bank, we do not label these as “checking accounts.” Instead, we simply call them Hamilton Rock accounts, while your funds are securely held with our partner bank.

Answer 28

No. Hamilton Rock is not a bank. Your banking services are provided through our trusted partners, including Fifth Third Bank, Celtic Bank, Visa U.S., and Stripe. Hamilton Rock brings these services together in one simple platform designed to help Ecommerce businesses manage their money and grow.

Answer 29

Yes. Your funds are securely held at our partner bank, Fifth Third Bank, Member FDIC. Your Hamilton Rock accounts are eligible for FDIC pass-through deposit insurance of up to $250,000 per business entity, provided the applicable FDIC requirements are met.

This means your money is protected in the same way deposits are protected at many traditional banks, giving you the safety and security you expect while managing your finances through Hamilton Rock.

Funds held in Financial Accounts are deposited at one or more FDIC-insured depository institutions. Subject to the satisfaction of applicable FDIC requirements for pass-through insurance, deposits are eligible for FDIC insurance coverage up to $250,000 per depositor, per insured depository institution, for each ownership category, in accordance with the rules and regulations of the Federal Deposit Insurance Corporation (FDIC).

Hamilton Rock Financial Services Corp and Stripe are financial technology companies and are not FDIC-insured depository institutions. FDIC deposit insurance protects against the failure of an FDIC-insured depository institution where deposits are held.

Answer 30

Your data is protected using bank-grade security. Every login, payment, and transaction is secured with AES-256 encryption, the same level of protection used by traditional banks and financial institutions.

We also use secure systems, monitoring, and strict access controls to keep your information safe and protect your account at all times.

Answer 31

No. Hamilton Rock does not sell your personal data. Protecting your information is not only a legal requirement, but also part of how we believe financial services should operate.

Hamilton Rock follows strict privacy laws, including the Gramm-Leach-Bliley Act (GLBA), which protects your non-public personal information. We only use your data to operate your account, provide services, and meet legal and regulatory requirements.

Your data is never sold and is only shared with trusted partners when necessary to operate your account and deliver our services.

You can also request access to your personal information or ask us to correct it at any time. See our Privacy Policy for more details.

Answer 32

Hamilton Rock accounts are available for registered U.S. businesses that sell goods or services online.

This includes businesses such as Sole Proprietorships, Limited Liability Companies (LLCs), Corporations (C-Corps or S-Corps), Partnerships, and other legally registered business entities.

Hamilton Rock is built specifically for Ecommerce businesses, including sellers operating on platforms such as Shopify, Amazon, Etsy, eBay, WooCommerce, Wix, and other online marketplaces.

Whether you run one online store or multiple stores across different platforms, Hamilton Rock helps you manage your business finances in one place.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 33

To open a Hamilton Rock account, your business must be registered in the United States and have a valid U.S. Employer Identification Number (EIN).

Hamilton Rock currently supports U.S.-registered businesses that operate Ecommerce stores or sell products and services online.

If your business is registered outside the United States, you may not yet be able to open an account, but we hope to support more international businesses in the future as Hamilton Rock grows.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 34

Yes, in many cases international founders can open a Hamilton Rock account if they have a U.S.-registered business.

For example, if you live outside the United States but have formed a U.S. company (such as a Delaware LLC or Corporation) with a valid EIN, you may still be able to apply.

During the application process, we may ask for additional verification information to confirm your business and identity.

Hamilton Rock is designed to support modern Ecommerce businesses, including founders who operate globally while running a U.S.-registered company.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 35

No. Hamilton Rock is designed specifically for Ecommerce businesses, so accounts are only available for registered businesses and business use.

This allows us to build tools tailored to the needs of Ecommerce founders, such as managing payouts from online stores, organising business funds, tracking transactions, and simplifying financial admin.

Hamilton Rock is built to help Ecommerce businesses run their finances more efficiently, all from one platform.

Banking services are provided by Fifth Third Bank, N.A., Member FDIC. Hamilton Rock is a financial technology company, not a bank.

Answer 36

No. Hamilton Rock charges $0 monthly fees, $0 minimum balance fees, $0 account maintenance fees, and $0 transaction fees. Hamilton Rock is free to use, so you can focus on running and growing your business without worrying about hidden costs.

The only fee you may encounter is a charge from an ATM provider if you withdraw cash from their machine.

Answer 37

No. You do not need to keep a minimum balance in your Hamilton Rock account. You can hold any amount, even $0, and you will not be charged a fee. Hamilton Rock is designed to be flexible and accessible, whether you are just starting your ecommerce business or already growing fast

Answer 38

Hamilton Rock earns revenue mainly from card interchange, which is a small fee paid by the merchant’s bank whenever you use your Hamilton Rock card to make a purchase.

This means you can use Hamilton Rock’s banking services without monthly fees, minimum balances, or hidden charges while we earn a small portion of the payment network fee when your card is used.

Answer 39

Hamilton Rock is designed to be simple and transparent with no platform fees.

There are no monthly fees, no minimum balance requirements, and no hidden charges for using your account.

If a service ever involves a partner fee (for example an ATM operator), it will always be clearly shown before you complete the transaction.

Answer 40

No. Hamilton Rock does not charge overdraft fees.

If there are not enough funds in your account to complete a transaction, the payment will simply not be processed.

This helps you stay in control of your spending and avoid unexpected charges.

Answer 41

Hamilton Rock does not charge ATM fees for using your card.

However, some ATM operators may charge their own fee for using their machines. If this applies, the fee will be shown on the ATM screen before you confirm the withdrawal.

Answer 42

You can earn Earnings Rewards on the money you hold in your Hamilton Rock accounts. These rewards work similar to interest or APY at a traditional bank, helping your balance grow while your money sits in your account.

Your Earnings Rewards are calculated daily on your eligible balance and paid into your account monthly as a cash reward.

Because Hamilton Rock is a financial technology company and not a bank, we do not label these as interest or APY. Instead, we call them Earnings Rewards, while your funds are securely held with our partner bank.

See Earnings Rewards terms for full details.

Answer 43

Banks usually advertise APY (Annual Percentage Yield) when they pay interest on deposits. That interest is regulated and paid directly by the bank.

Hamilton Rock is a financial technology company, not a bank, so instead of paying interest, we provide an Earnings Reward. This is a cash bonus Hamilton Rock pays on your eligible balances.

In simple terms, Earnings Rewards work much like the interest you might earn at a bank, helping your balance grow while your funds are securely held with our partner bank.

See Earnings Rewards terms for full details.

Answer 44

When you use your Hamilton Rock card (physical or virtual) for eligible business purchases, you earn 1.5% cashback on qualified purchases. Cashback is calculated on completed transactions and paid into your Hamilton Rock account each month.

The main items that do not qualify for cashback include cash withdrawals, transfers, wallet funding, refunds, and other cash-like transactions.

See Cashback terms for the full list of exclusions.

Answer 45

No. You do not need a Shopify store to use Hamilton Rock. You can run your business through WooCommerce, Wix, Amazon, Etsy, eBay, or other marketplaces and payment platforms.

Whether you operate one store or several, run a dropshipping business, or sell through multiple marketplaces, Hamilton Rock is designed to support all types of ecommerce businesses.

Answer 46

If you need help, our team is here for you. You can contact Hamilton Rock in three simple ways:

Email: alexander@hamiltonrock.com
Phone: +1 (516) 336-4214 (New York)
Live Chat: Use the instant chat window in the bottom-right corner of the screenWhether you have a quick question or need help getting set up, our team is ready to assist you.

Answer 47

You can close your Hamilton Rock account at any time, and there are no fees for closing your account.

Simply contact our support team and we will guide you through the quick account closure process.

Answer 48

A Hamilton Rock account helps your Ecommerce business manage, move, and grow money, all in one place.

You can open up to 10 accounts instantly without visiting a bank branch and organise your money however you like. You can also create Cashboxes to set money aside for savings or future expenses.

Your balances can earn Earnings Rewards of 1.39%, which is over 46x higher than the average rate offered by the four largest U.S. banks.

You’ll also receive a Hamilton Rock spend card, allowing you to control spending and issue up to 20 cards instantly for your team. Every eligible purchase earns 1.5% cashback.

Hamilton Rock also connects to your online stores and payment platforms, automating payout reconciliation and reduce days of finance admin.

Over time, you will also be able to send international payments instantly around the world, all from the same platform designed specifically for Ecommerce businesses.

‍

The average APY for business checking/savings accounts at Bank of America, Wells Fargo, Chase, and Citi (the “Big 4”) as published on their public U.S. websites and rate sheets on March 23, 2026 are 0.03%. These figures are based on point-in-time advertised rates compiled in the “APY Rates” analysis and may change without notice.

Funds held in Financial Accounts are deposited at one or more FDIC-insured depository institutions. Subject to the satisfaction of applicable FDIC requirements for pass-through insurance, deposits are eligible for FDIC insurance coverage up to $250,000 per depositor, per insured depository institution, for each ownership category, in accordance with the rules and regulations of the Federal Deposit Insurance Corporation (FDIC).

Hamilton Rock Financial Services Corp and Stripe are financial technology companies and are not FDIC-insured depository institutions. FDIC deposit insurance protects against the failure of an FDIC-insured depository institution where deposits are held.

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