Turn everyday cash into a strategic advantage. BILL Cash Account¹ gives you 3% APY today² on your operating cash and next-day ACH payments with no minimum balance or additional fees³—all from one interest-earning account.
- Apply in under 5 minutes
- Transfer funds into your BILL Cash Account
- Use it to pay bills while earning 3% APY today on deposits that aren’t in transit
- Get real-time cash visibility from a single account
One powerful account
Stop moving money between treasury and operating accounts. With BILL Cash Account, earn interest on your balance and send payments—all from one account.
Elevate your payables strategy
There are multiple ways to quickly import your invoices into BILL, with little to no manual entry required.
There are multiple ways to quickly import your invoices into BILL, with little to no manual entry required.
Tailor your approval workflows to fit your business rules with BILL handling the routing for you.
Tailor your approval workflows to fit your business rules with BILL handling the routing for you.
With access to millions of vendors on the BILL network and multiple payment options, you’ll have greater flexibility and control over your AP.
With access to millions of vendors on the BILL network and multiple payment options, you’ll have greater flexibility and control over your AP.
Your settled deposits in BILL Cash Account are not only earning, but they’re also ready to be sent next-day with no unexpected delays.
Your settled deposits in BILL Cash Account are not only earning, but they’re also ready to be sent next-day with no unexpected delays.
Reduce manual data entry, reconcile accounts faster, and improve team productivity using automatic 2-way sync with leading accounting systems.
Reduce manual data entry, reconcile accounts faster, and improve team productivity using automatic 2-way sync with leading accounting systems.
Others:
Shuffling funds between treasury and operating accounts.
BILL:
One account for earning interest and sending fast payments.
Compared to most alternatives, BILL Cash Account elevates both your treasury strategy and account management with high APY, more FDIC insurance, and next-day ACH—all in one place. But don't take our word for it, see for yourself why more than 8 million network members trust BILL.
Frequently asked questions
Your business is eligible to apply for a BILL Cash Account if you meet the following criteria:
- Active Subscription: You must be an active BILL subscriber.
- Registration: You must be registered in the United States.
- Tax Identification: You must have a valid Taxpayer Identification Number (TIN) or Employer Identification Number (EIN).
- BILL Cash Account is available for all business types, excluding nonprofits and sole proprietorships.
Your business is eligible to apply for a BILL Cash Account if you meet the following criteria:
- Active Subscription: You must be an active BILL subscriber.
- Registration: You must be registered in the United States.
- Tax Identification: You must have a valid Taxpayer Identification Number (TIN) or Employer Identification Number (EIN).
- BILL Cash Account is available for all business types, excluding nonprofits and sole proprietorships.
If your business is eligible, you’ll see an invitation to apply for the BILL Cash Account on your BILL dashboard. Simply follow the prompts to complete the application. It’s free to apply, with no monthly fees or minimum balance requirements.
If your business is eligible, you’ll see an invitation to apply for the BILL Cash Account on your BILL dashboard. Simply follow the prompts to complete the application. It’s free to apply, with no monthly fees or minimum balance requirements.
Yes, safeguarding your funds is a top priority. With your BILL Cash Account, significant measures have been taken to ensure your money is protected. Through our partnership with Column N.A., Member FDIC, your BILL Cash Account funds are eligible for FDIC insurance up to $200 million—exceeding the standard $250,000 coverage offered by many institutions.
This enhanced protection is made possible by a deposit sweep program that distributes your funds across a network of FDIC-insured banks, ensuring each portion remains within the FDIC coverage limits. This is designed to provide you with a confidence level that surpasses many other financial institutions.
Additional information on Column's Sweep Program Network Banks can be found here.
Yes, safeguarding your funds is a top priority. With your BILL Cash Account, significant measures have been taken to ensure your money is protected. Through our partnership with Column N.A., Member FDIC, your BILL Cash Account funds are eligible for FDIC insurance up to $200 million—exceeding the standard $250,000 coverage offered by many institutions.
This enhanced protection is made possible by a deposit sweep program that distributes your funds across a network of FDIC-insured banks, ensuring each portion remains within the FDIC coverage limits. This is designed to provide you with a confidence level that surpasses many other financial institutions.
Additional information on Column's Sweep Program Network Banks can be found here.
Interest on your BILL Cash Account is calculated daily at 12:10 am PT, based on your balance at that time, and compounded monthly. The annual percentage yield (APY) is divided across the year and applied daily—meaning you earn interest every day, even if your balance fluctuates.
At the start of each month, the total interest earned from the previous month is added to your balance. You can track your current interest rate and year-to-date earnings on the BILL Cash Account page. The current Annual Percentage Yield (APY) for a BILL Cash Account is 3.00%. To ensure you have the most up-to-date information, refer to this FAQ webpage or your account dashboard.
Interest on your BILL Cash Account is calculated daily at 12:10 am PT, based on your balance at that time, and compounded monthly. The annual percentage yield (APY) is divided across the year and applied daily—meaning you earn interest every day, even if your balance fluctuates.
At the start of each month, the total interest earned from the previous month is added to your balance. You can track your current interest rate and year-to-date earnings on the BILL Cash Account page. The current Annual Percentage Yield (APY) for a BILL Cash Account is 3.00%. To ensure you have the most up-to-date information, refer to this FAQ webpage or your account dashboard.
Your BILL Cash Account offers a convenient way to pay all your bills faster. Use it through the BILL platform to send payments—often within one business day—without added fees.
- You can pay a single bill, multiple bills, or send a payment without a bill.
- Payments you send to network-connected vendors via ePayment, who already have a BILL account and use BILL Balance or BILL Cash Account for receivables, will be nearly instant.
- Payments to other network-connected vendors via ePayment will be deposited the next business day.
- Payments sent to a vendor via paper check will be mailed the next business day; USPS First-Class mail delivery can take up to 5–7 business days.
For more detail, see the Payables Payment Timing article.
Your BILL Cash Account offers a convenient way to pay all your bills faster. Use it through the BILL platform to send payments—often within one business day—without added fees.
- You can pay a single bill, multiple bills, or send a payment without a bill.
- Payments you send to network-connected vendors via ePayment, who already have a BILL account and use BILL Balance or BILL Cash Account for receivables, will be nearly instant.
- Payments to other network-connected vendors via ePayment will be deposited the next business day.
- Payments sent to a vendor via paper check will be mailed the next business day; USPS First-Class mail delivery can take up to 5–7 business days.
For more detail, see the Payables Payment Timing article.
2 The Annual Percentage Yield (APY) as advertised is accurate as of June 30, 2025. Interest rate and APY are subject to change at any time before and after the BILL Cash Account is opened.
3 No additional fees apply to opening or holding a BILL Cash Account. Other fees may be applicable to the service used or subscribed to with BILL, including but not limited to BILL account subscription fees, transaction fees, payment processing fees, and other special services fees. For more information on BILL service fees, please see the BILL Terms of Service.
4 BILL is a financial technology company, not an FDIC-insured depository institution. FDIC deposit insurance covers the failure of an insured depository institution. Certain conditions must be satisfied for pass-through FDIC insurance to apply. Deposits in BILL Cash Accounts are FDIC-insured through Column N.A., Member FDIC and Column’s Sweep Program Network Banks.