Why a business account changes everything
Your personal checking was built for spending, not for running a business. Here's exactly what you're missing.
The $15/month question
Big banks charge you $15 a month to hold your money and cap your transactions at 200. Here's the full picture, row by row.
You'd pay $180/year to a big bank for less.
$15/month × 12 months = $180 in fees — plus $0.40 per transaction over 200. Ledger charges exactly $0.
From dorm rooms. With receipts.
These aren't aspiring entrepreneurs. They're already running something.
"I was depositing $4,200 from a brand deal into my personal Chase account and mixing it with rent money. Ledger made it obvious how much was actually mine to keep."
"I pay three contractors through Stripe every month. Before Ledger, I had no idea what I owed in self-employment tax. Now I export my Schedule C in two clicks."
"My LLC was 6 months old before I separated my business money. The EIN-linked account made my accountant actually happy for once. First real business infrastructure I've had."
"Big Bank wanted $1,500 minimum balance and $15/month. I'm a sophomore — I don't have $1,500 sitting there. Ledger opened in 4 minutes with $0 down."
"I invoice clients as 'Hernandez Creative LLC' now. Not my personal name. That one change made clients take me 10x more seriously in the first email."
"The sub-account feature is underrated. I keep 25% of every payment in a tax bucket automatically. No more panic in April."
The desk that fits perfectly.
Open your account in 4 minutes.
You've already got revenue. You've already got clients. The only thing left is infrastructure that matches the operation you're running.