Startup Banking Solutions
The Right Bank for Startups
It all starts with the right bank. Founders benefit from working with our experienced, innovation-focused team that understands the growing pains and opportunities of entrepreneurs, startups and emerging growth companies.
Our Startup Banking Analyzed Business Checking Account1 is specifically designed for technology, life sciences and innovation startups looking for a bank that offers all the important add-ons and extras for pre-seed and seed-stage companies. Robust online and mobile platforms let you bank from anywhere, backed by the relationship-based, personalized service and long-term strength our Startup Banking Team is known for.
Startup Banking Partners
Our founder-friendly Startup Banking Analyzed Business Checking Account connects you to tools, savings and advice from Western Alliance and our network of select partners across the tech ecosystem, ranging from cloud services and HR/Payroll support to marketing tools, CRM options and more.
Innovation Startup Banking Team
You want a highly experienced, innovation-focused team with staying power that understands your pain points and offers you a world of resources. Western Alliance delivers.
Tap into a one-on-one, consultative and value-added banking relationship that scales with you, from early stage to growth stage, pre-IPO and beyond. From milestone to milestone, we provide tailored business banking resources you’ll need across every part of your company’s life cycle.
Access to senior leadership with long-term experience underwriting venture-funded companies unlocks our full slate of intellectual resources, experience and capabilities.
With customized debt facilities and a full suite of treasury management capabilities, we’ve designed a suite of banking services that grow with your needs. Startups benefit from working with our Startup Banking Team from inception.
1. Western Alliance Bank’s Startup Banking (“Startup Banking”) products and services are specifically designed for start-up technology, life sciences and innovation companies who have not raised institutional equity rounds of funding. Eligibility requirements apply to all client participation is subject to Bank approval. Startup Banking benefits are available for 3 years from the date the Startup Banking Analyzed Business Checking Account is opened or until the client has obtained institutional funding, whichever occurs earlier (“Startup Banking Introductory Period”). Following the expiration of the Startup Banking Introductory Period, standard rates and fees, as disclosed in the then-current Analyzed Business Checking Account Information and Fee Schedule, will apply. Startup Banking Analyzed Business Checking Account is a non-interest bearing account and Startup Banking clients are ineligible to receive earnings credits on the Startup Banking Analyzed Business Checking Account during the Startup Banking Introductory Period. Additional fees or charges may apply based on the products or services selected. Please contact your Relationship Manager for additional details.
2. Monthly maintenance fees, excluding ZBA Master fees, online wire transfer fees, mobile deposits and ACH transactions are waived during the Startup Banking Introductory Period. Other fees or charges may apply based on the products or services selected. Mobile deposits and ACH origination require enrollment in Business Online Banking. Some products and services may be subject to prior approval or fees. Funds deposited through Mobile Deposit are subject to the Bank’s funds availability policy as outlined in the Deposit Account Agreement and Disclosure. Refer to disclosures provided at account opening and the Business Schedule of Fees and Charges for additional information.
3. Offer only available to new Western Alliance Bank customers who qualify and are approved for Startup Banking benefits. Must open a Startup Banking Analyzed Business Checking Account and a Startup Banking Money Market Account (“MMA”) on or after July 1, 2024 to qualify for the promotional rate of 4% interest rate (4.07% Annual Percentage Yield (“APY”)). Contact your Relationship Manager for the most current rates on deposit balances. Rates are accurate as of September 17, 2025. The promotional interest rate and APY on the Startup Banking MMA may change at any time. New accounts will be eligible for the promotional rate for 12 months from the date the Startup Banking MMA is opened. The daily balance method is used to calculate interest on your account. This method applies a daily periodic rate to the principal in the account each day. Interest will be compounded monthly and will be credited to the account monthly. If the account is closed before interest is credited you may not receive the accrued interest. This account is on a monthly statement cycle. Offer may be modified or withdrawn without notice. Offer valid as of July 1, 2024.
4. Fees and/or withdrawals could reduce the earnings on the account. Withdrawal transaction limits apply. For additional terms and conditions, please refer to the Deposit Account Agreement and Disclosure provided at account opening.
5. Offer only available to new Western Alliance Bank customers who qualify and are approved for Startup Banking benefits. Must open a new Startup Banking Analyzed Business Checking Account on or after July 1, 2024, deposit funds into the account within 30 days of account opening, and maintain an average monthly balance of $50,000.00 for 3 months following account funding to receive a one-time bonus in the amount of $500. The three-month qualification period starts the first day of the month following the date of account funding. Your account must be open when the bonus is credited. The bonus will be provided 60 days after client meets the requirements outlined above and credits to the qualifying Startup Banking Analyzed Business Checking. The value of this bonus will constitute taxable income to you. To the extent required by law, Western Alliance Bank may withhold tax or other amounts from the payment. Please consult your tax advisor, as neither Western Alliance Bank, its subsidiaries or affiliates, nor their employees provide tax advice. Offer valid as of July 1, 2024. Offer may be modified or withdrawn without notice. For additional terms and conditions, please refer to the Deposit Account Agreement and Disclosure provided at account opening.
6. All offers of credit are subject to credit approval. This card is issued by Western Alliance Bank pursuant to a license from Visa® USA Inc. Refer to terms and conditions for additional information. Currency conversion exchange rates may apply.
7. Business Mobile Banking apps are available to all online banking customers. Features may vary based on device type. No additional fees to download the app; however, use of some features may incur charges. Mobile carrier message and data rates may apply.