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Its published restrictions include betting, cannabis, certain money-service businesses, pawn shops, and other high-risk activities.",[],{"_key":3017,"_type":143,"children":3018,"markDefs":3023,"style":1681},"k926",[3019],{"_key":3020,"_type":147,"marks":3021,"text":3022},"k925",[],"What documents do you need",[],{"_key":3025,"_type":143,"children":3026,"markDefs":3031,"style":164},"k930",[3027],{"_key":3028,"_type":147,"marks":3029,"text":3030},"k929",[],"You’ll need:",[],{"_key":3033,"_type":143,"children":3034,"level":1201,"listItem":1725,"markDefs":3039,"style":164},"k934",[3035],{"_key":3036,"_type":147,"marks":3037,"text":3038},"k933",[],"Articles of incorporation or other formation documents",[],{"_key":3041,"_type":143,"children":3042,"level":1201,"listItem":1725,"markDefs":3047,"style":164},"k938",[3043],{"_key":3044,"_type":147,"marks":3045,"text":3046},"k937",[],"EIN documentation",[],{"_key":3049,"_type":143,"children":3050,"level":1201,"listItem":1725,"markDefs":3055,"style":164},"k942",[3051],{"_key":3052,"_type":147,"marks":3053,"text":3054},"k941",[],"Business information and ownership details",[],{"_key":3057,"_type":143,"children":3058,"level":1201,"listItem":1725,"markDefs":3063,"style":164},"k946",[3059],{"_key":3060,"_type":147,"marks":3061,"text":3062},"k945",[],"Identification for relevant owners or controllers",[],{"_key":3065,"_type":143,"children":3066,"level":1201,"listItem":1725,"markDefs":3071,"style":164},"k950",[3067],{"_key":3068,"_type":147,"marks":3069,"text":3070},"k949",[],"SSN or other identity-verification information when required",[],{"_key":3073,"_type":143,"children":3074,"level":1201,"listItem":1725,"markDefs":3079,"style":164},"k954",[3075],{"_key":3076,"_type":147,"marks":3077,"text":3078},"k953",[],"A qualifying business operating address",[],{"_key":3081,"_type":143,"children":3082,"markDefs":3096,"style":164},"k963",[3083,3087,3092],{"_key":3084,"_type":147,"marks":3085,"text":3086},"k960",[],"Rho says its application requires legal documents, including articles of incorporation and an ",{"_key":3088,"_type":147,"marks":3089,"text":3091},"k961",[3090],"k956","EIN",{"_key":3093,"_type":147,"marks":3094,"text":3095},"k962",[],". It may also request information about ultimate beneficial owners and other company representatives.",[3097],{"_key":3090,"_type":161,"externalUrl":3098,"linkType":163},"https:\u002F\u002Fwww.rho.co\u002Fhelp-center\u002Fgeneral-rho-information\u002Fapplying-to-rho-faqs",{"_key":3100,"_type":143,"children":3101,"markDefs":3106,"style":1681},"k967",[3102],{"_key":3103,"_type":147,"marks":3104,"text":3105},"k966",[],"Can a sole proprietor open a Rho account",[],{"_key":3108,"_type":143,"children":3109,"markDefs":3114,"style":164},"k971",[3110],{"_key":3111,"_type":147,"marks":3112,"text":3113},"k970",[],"No, not if you operate as an unincorporated sole proprietor. Rho’s current eligibility guidance says your business must be incorporated in the United States. If you operate as a sole proprietor without a separate incorporated business entity, you don’t meet this stated eligibility requirement.",[],{"_key":3116,"_type":143,"children":3117,"markDefs":3122,"style":1681},"k975",[3118],{"_key":3119,"_type":147,"marks":3120,"text":3121},"k974",[],"Are there industry or location restrictions",[],{"_key":3124,"_type":143,"children":3125,"markDefs":3130,"style":164},"k979",[3126],{"_key":3127,"_type":147,"marks":3128,"text":3129},"k978",[],"Yes. Rho restricts certain industries and geographic locations. Businesses offering illegal products or services aren’t eligible, and Rho may also restrict certain high-risk industries. Certain countries and locations are also excluded.",[],{"_key":3132,"_type":143,"children":3133,"markDefs":3138,"style":1181},"k983",[3134],{"_key":3135,"_type":147,"marks":3136,"text":3137},"k982",[],"How to open a Rho business checking account",[],{"_key":3140,"_type":143,"children":3141,"markDefs":3146,"style":164},"k987",[3142],{"_key":3143,"_type":147,"marks":3144,"text":3145},"k986",[],"Opening a Rho account is primarily digital. Have your business and identification details ready to keep the verification process moving.",[],{"_key":3148,"_type":143,"children":3149,"markDefs":3154,"style":1681},"k991",[3150],{"_key":3151,"_type":147,"marks":3152,"text":3153},"k990",[],"1. Confirm your business is eligible",[],{"_key":3156,"_type":143,"children":3157,"markDefs":3162,"style":164},"k995",[3158],{"_key":3159,"_type":147,"marks":3160,"text":3161},"k994",[],"Check that your company is US-incorporated and meets Rho’s requirements for operating address, ownership, and industry.",[],{"_key":3164,"_type":143,"children":3165,"markDefs":3170,"style":1681},"k999",[3166],{"_key":3167,"_type":147,"marks":3168,"text":3169},"k998",[],"2. Gather your business documents",[],{"_key":3172,"_type":143,"children":3173,"markDefs":3178,"style":164},"k1003",[3174],{"_key":3175,"_type":147,"marks":3176,"text":3177},"k1002",[],"Have your formation documents, EIN documentation, ownership information, and identification details ready. Keep your EIN documentation available, as Rho requires it to complete the onboarding process.",[],{"_key":3180,"_type":143,"children":3181,"markDefs":3186,"style":1681},"k1007",[3182],{"_key":3183,"_type":147,"marks":3184,"text":3185},"k1006",[],"3. Submit your application",[],{"_key":3188,"_type":143,"children":3189,"markDefs":3194,"style":164},"k1011",[3190],{"_key":3191,"_type":147,"marks":3192,"text":3193},"k1010",[],"Complete the Rho application with your company, ownership, and identification information. If you leave the application in progress, Rho says you can return to it later using the same email address you used to start it.",[],{"_key":3196,"_type":143,"children":3197,"markDefs":3202,"style":1681},"k1015",[3198],{"_key":3199,"_type":147,"marks":3200,"text":3201},"k1014",[],"4. Complete verification",[],{"_key":3204,"_type":143,"children":3205,"markDefs":3210,"style":164},"k1019",[3206],{"_key":3207,"_type":147,"marks":3208,"text":3209},"k1018",[],"Rho and its banking partners verify your identity and business during onboarding. They may request additional information based on your company and application.",[],{"_key":3212,"_type":143,"children":3213,"markDefs":3218,"style":1681},"k1023",[3214],{"_key":3215,"_type":147,"marks":3216,"text":3217},"k1022",[],"5. Fund and set up your account",[],{"_key":3220,"_type":143,"children":3221,"markDefs":3226,"style":164},"k1027",[3222],{"_key":3223,"_type":147,"marks":3224,"text":3225},"k1026",[],"Once approved, connect your account to your accounting software, configure users and permissions, and set up payment, card, and expense workflows. Rho integrates with accounting platforms including QuickBooks Online, NetSuite, and Sage Intacct.",[],{"_key":3228,"_type":143,"children":3229,"markDefs":3234,"style":1181},"k1031",[3230],{"_key":3231,"_type":147,"marks":3232,"text":3233},"k1030",[],"Pros and cons of Rho business banking",[],{"_key":3236,"_type":143,"children":3237,"markDefs":3242,"style":164},"k1035",[3238],{"_key":3239,"_type":147,"marks":3240,"text":3241},"k1034",[],"Rho combines $0 core pricing with banking, AP, cards, and expense management. The trade-offs depend on how your business manages cash, payments, and financial operations.",[],{"_key":3244,"_type":143,"children":3245,"markDefs":3250,"style":1181},"k1039",[3246],{"_key":3247,"_type":147,"marks":3248,"text":3249},"k1038",[],"Is Rho business banking right for your business",[],{"_key":3252,"_type":143,"children":3253,"markDefs":3258,"style":164},"k1043",[3254],{"_key":3255,"_type":147,"marks":3256,"text":3257},"k1042",[],"The right banking platform depends on how you manage, move, and spend money. Use these factors to assess whether Rho fits your business:",[],{"_key":3260,"_type":143,"children":3261,"markDefs":3278,"style":164},"k1053",[3262,3266,3270,3274],{"_key":3263,"_type":147,"marks":3264,"text":3265},"k1049",[1666],"Looking for alternatives to Rho?",{"_key":3267,"_type":147,"marks":3268,"text":3269},"k1050",[]," Several digital banking and financial-management platforms offer similar or complementary services, with differences in areas such as startup banking, corporate spending, cash access, and international payments. ",{"_key":3271,"_type":147,"marks":3272,"text":3273},"k1051",[1666],"See our guide to Rho alternatives",{"_key":3275,"_type":147,"marks":3276,"text":3277},"k1052",[]," for a detailed comparison.",[],{"_key":3280,"_type":143,"children":3281,"markDefs":3286,"style":1181},"k1057",[3282],{"_key":3283,"_type":147,"marks":3284,"text":3285},"k1056",[],"Bottom line",[],{"_key":3288,"_type":143,"children":3289,"markDefs":3294,"style":164},"k1061",[3290],{"_key":3291,"_type":147,"marks":3292,"text":3293},"k1060",[],"Rho is not a traditional bank, and that’s the point. It combines bank-account functionality with financial-operations software. Its $0 core pricing and integrated workflow make it worth considering for businesses that don’t need cash access or traditional branch services.",[],{"_key":3296,"_type":143,"children":3297,"markDefs":3330,"style":164},"k1080",[3298,3302,3306,3311,3315,3318,3322,3326],{"_key":3299,"_type":147,"marks":3300,"text":3301},"k1072",[],"For companies with significant international payment or multi-currency* needs, ",{"_key":3303,"_type":147,"marks":3304,"text":480},"k1073",[3305],"k1063",{"_key":3307,"_type":147,"marks":3308,"text":3310},"k1074",[3309,1666],"sup","1",{"_key":3312,"_type":147,"marks":3313,"text":3314},"k1075",[]," is particularly useful if you want business accounts",{"_key":3316,"_type":147,"marks":3317,"text":3310},"k1076",[3309],{"_key":3319,"_type":147,"marks":3320,"text":3321},"k1077",[],", corporate cards",{"_key":3323,"_type":147,"marks":3324,"text":3325},"k1078",[3309],"2",{"_key":3327,"_type":147,"marks":3328,"text":3329},"k1079",[],", expense management, and international payments in one platform. If you need international payments, compare the applicable FX* and transaction costs before you open an account. Aspire’s US offering also has eligibility requirements, including a qualifying US Nexus, so check your eligibility before applying.",[3331],{"_key":3305,"_type":161,"externalUrl":3332,"linkType":163},"https:\u002F\u002Faspireapp.com\u002Fus",{"_key":3334,"_type":143,"children":3335,"markDefs":3340,"style":1181},"k1084",[3336],{"_key":3337,"_type":147,"marks":3338,"text":3339},"k1083",[],"Frequently asked questions about Rho Business Banking",[],{"_key":3342,"_type":143,"children":3343,"markDefs":3348,"style":1681},"k1088",[3344],{"_key":3345,"_type":147,"marks":3346,"text":3347},"k1087",[],"Is Rho a real bank?",[],{"_key":3350,"_type":143,"children":3351,"markDefs":3356,"style":164},"k1092",[3352],{"_key":3353,"_type":147,"marks":3354,"text":3355},"k1091",[],"No. Rho is a fintech company, not a bank. Webster Bank, N.A., Member FDIC, provides its checking and card services.",[],{"_key":3358,"_type":143,"children":3359,"markDefs":3364,"style":1681},"k1096",[3360],{"_key":3361,"_type":147,"marks":3362,"text":3363},"k1095",[],"Is Rho Business Banking FDIC-insured?",[],{"_key":3366,"_type":143,"children":3367,"markDefs":3372,"style":164},"k1100",[3368],{"_key":3369,"_type":147,"marks":3370,"text":3371},"k1099",[],"Eligible Rho checking deposits are held through its partner bank, Webster Bank, N.A., Member FDIC, and may qualify for FDIC insurance subject to applicable limits and requirements. Other Rho products, such as savings, may use different partner-bank arrangements. Check the specific product’s disclosures for details.",[],{"_key":3374,"_type":143,"children":3375,"markDefs":3380,"style":1681},"k1104",[3376],{"_key":3377,"_type":147,"marks":3378,"text":3379},"k1103",[],"How much does Rho Business Banking cost?",[],{"_key":3382,"_type":143,"children":3383,"markDefs":3388,"style":164},"k1108",[3384],{"_key":3385,"_type":147,"marks":3386,"text":3387},"k1107",[],"Rho currently charges $0 for its core subscription, per-user fees and checking minimum fees. Same-day ACH, wires, and checks are also listed at $0. International transactions and third-party charges may add costs. Foreign-currency transfers currently carry a 1% FX fee.",[],{"_key":3390,"_type":143,"children":3391,"markDefs":3396,"style":1681},"k1112",[3392],{"_key":3393,"_type":147,"marks":3394,"text":3395},"k1111",[],"What are Rho's account requirements?",[],{"_key":3398,"_type":143,"children":3399,"markDefs":3404,"style":164},"k1116",[3400],{"_key":3401,"_type":147,"marks":3402,"text":3403},"k1115",[],"Rho requires eligible businesses to be incorporated in the US and meet its business, ownership, address, and compliance requirements. Be prepared to provide formation documents, EIN information, and identity details for relevant owners or controllers.",[],{"_key":3406,"_type":143,"children":3407,"markDefs":3412,"style":1681},"k1120",[3408],{"_key":3409,"_type":147,"marks":3410,"text":3411},"k1119",[],"Can a sole proprietor use Rho?",[],{"_key":3414,"_type":143,"children":3415,"markDefs":3420,"style":164},"k1124",[3416],{"_key":3417,"_type":147,"marks":3418,"text":3419},"k1123",[],"Generally, no. Rho’s published eligibility requirements specify US-incorporated entities, so a standard unincorporated sole proprietorship isn’t eligible.",[],{"_key":3422,"_type":143,"children":3423,"markDefs":3428,"style":1681},"k1128",[3424],{"_key":3425,"_type":147,"marks":3426,"text":3427},"k1127",[],"Does Rho accept cash deposits?",[],{"_key":3430,"_type":143,"children":3431,"markDefs":3436,"style":164},"k1132",[3432],{"_key":3433,"_type":147,"marks":3434,"text":3435},"k1131",[],"No. Rho doesn’t support cash deposits, and Rho Cards can’t be used for ATM cash withdrawals. If you handle physical cash, consider a provider such as BMO or Bluevine instead.",[],{"_key":3438,"_type":143,"children":3439,"markDefs":3444,"style":1681},"k1136",[3440],{"_key":3441,"_type":147,"marks":3442,"text":3443},"k1135",[],"What are the best alternatives to Rho?",[],{"_key":3446,"_type":143,"children":3447,"markDefs":3467,"style":164},"k1148",[3448,3452,3455,3459,3463],{"_key":3449,"_type":147,"marks":3450,"text":3451},"k1143",[],"The right Rho alternative depends on what you need most. Mercury is a strong digital-first option for startups; Aspire",{"_key":3453,"_type":147,"marks":3454,"text":3310},"k1144",[3309],{"_key":3456,"_type":147,"marks":3457,"text":3458},"k1145",[]," is worth considering if you need international payments and multi-currency",{"_key":3460,"_type":147,"marks":3461,"text":3462},"k1146",[3309],"*",{"_key":3464,"_type":147,"marks":3465,"text":3466},"k1147",[]," tools; Brex is particularly strong for corporate cards and spend management; Bluevine is worth considering if you want interest-earning balances and cash-deposit options; BMO is better suited if you need traditional banking, ATM access, and cash deposits.",[],{"slug":499,"title":500},{"_type":839,"alternativeText":3470,"height":1126,"url":3471,"width":1128},"Rho: Features, fees, requirements and alternatives","https:\u002F\u002Fcdn.aspireapp.com\u002Fwebsites\u002Fblog\u002Feb166d6feddb3584b48744669aaa31be\u002Fchargebacks_cover.jpeg",[3473,3480,3488],{"_key":1177,"_type":143,"children":3474,"level":1201,"listItem":1725,"markDefs":3479,"style":164},[3475],{"_key":3476,"_type":147,"marks":3477,"text":3478},"k1",[],"Rho isn’t a bank. It’s a fintech platform that offers business checking, payments, cards, expense management, and finance tools through a partner bank",[],{"_key":3481,"_type":143,"children":3482,"level":1201,"listItem":1725,"markDefs":3487,"style":164},"k5",[3483],{"_key":3484,"_type":147,"marks":3485,"text":3486},"k4",[],"Rho offers free same-day ACH and wire transfers on eligible accounts, making it attractive for businesses with high payment volumes. It also combines banking, cards, expense management, and finance tools in one platform, with $0 fees for select services",[],{"_key":1191,"_type":143,"children":3489,"level":1201,"listItem":1725,"markDefs":3493,"style":164},[3490],{"_key":1183,"_type":147,"marks":3491,"text":3492},[],"Rho isn’t for every business. If you need cash deposits, ATM access, or branch banking, you’ll need a different setup",[],[3495,3501,3507],{"_key":1177,"_type":143,"children":3496,"markDefs":3500,"style":164},[3497],{"_key":3476,"_type":147,"marks":3498,"text":3499},[],"Rho brings business banking, payments, cards, expense management, accounts payable, and cash management into one platform. It’s a fintech, not a bank, so its banking services run through a partner bank.",[],{"_key":3481,"_type":143,"children":3502,"markDefs":3506,"style":164},[3503],{"_key":3484,"_type":147,"marks":3504,"text":3505},[],"Its checking and card services are provided through Webster Bank, N.A., Member FDIC. Rho works well for US-incorporated businesses that want banking and finance tools in one platform. If you operate across markets, however, you’ll want to compare its capabilities with platforms built for global businesses.",[],{"_key":1191,"_type":143,"children":3508,"markDefs":3512,"style":164},[3509],{"_key":1183,"_type":147,"marks":3510,"text":3511},[],"Rho’s biggest advantage is bringing banking and finance operations into one platform without monthly subscription or per-user fees. Its biggest limitation is the lack of support for cash deposits, ATM withdrawals, or branch banking.",[],{"_type":122,"metaDescription":3514,"metaTitle":3515},"Thinking of switching to Rho business banking? 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