Do I need to already have a bank account to use Bend?

Bend accounts work alongside your existing bank, or even with no existing bank account at all.

When you sign up at Bend you'll be assigned an account and routing number. This means you can send and receive ACH and wires, and earn yield on your cash, in addition to transacting with Bend cards.

There are two ways to fund your account on Bend: (1) you can pull funds from an existing bank account, or (2) you can accept payments directly into Bend (from something like Shopify or QBO invoices or Stripe).

Many companies choose to use Bend for day-to-day operational spend, alongside an existing bank account or 'treasury' account. Other customers use Bend as an all-in-one solution (cash and cards).

It's entirely up to each customer. Of course, the more activity you bring to Bend, the more complete the climate insights we'll be able to generate.