FAQ
General
AIRY9 provides Modern full stack banking services for startups and SMB. Your account comes with:
- Checking account
- Savings account earning 1–1.80%
- Debit cards
- ACH payments
- Check payments
- Domestic and international wire transfers
- Nice tools and features
Yes, your savings and checking accounts are both insured up to the FDIC limit. AIRY9 works with FDIC-insured banks, to store your deposits. The banking provider for your AIRY9 account can be found by going to airy9.com/legal while logged into your AIRY9 account.
You’ll need a U.S. company with a federal EIN, your company’s articles of incorporation, and a picture of your government ID (e.g. a passport or driver’s license).
AIRY9 accounts are free. We don’t have minimum balances, account opening fees, or monthly fees. The only things that cost money are wire transfers, which are $5 domestically and $35 internationally. Get more detail by going to our Pricing page.
Yes, we definitely do. We’re proud to support U.S. companies founded by people from across the globe.
- Requiring HTTPS on all pages, and use HSTS to ensure browsers only ever connect to us over a secure connection.
- Employing a third party to perform penetration testing each year to check for vulnerabilities.
- Storing passwords hashed with the bcrypt algorithm. We never store or log your plaintext password.
- Using Time-based One Time Passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
- Encrypting our database and all uploaded images. We employ additional encryption for sensitive data, like social security numbers.
- Never storing your debit card number.
We’ll accept U.S. companies that aren’t money services businesses or involved with adult entertainment, marijuana or internet gambling. Our product is geared towards tech companies, so it might not be the best fit for some other businesses, especially ones that frequently deal with physical cash.
Security & Privacy
AIRY9 works with FDIC-insured banks, to store your deposits. The banking provider for your AIRY9 account can be found while logged into your AIRY9 account.
Text message two-factor authentication can be compromised by hackers who port your phone number (referred to as a “Port-Out Scam”). We require Authy or Authenticator as an alternative as they can’t be compromised in this way.
Yes, your savings and checking accounts are both insured up to the FDIC limit of $250,000. You can learn more about FDIC insurance through their own FAQ here.
- Requiring HTTPS on all pages, and use HSTS to ensure browsers only ever connect to us over a secure connection.
- Employing a third party to perform penetration testing each year to check for vulnerabilities.
- Storing passwords hashed with the bcrypt algorithm. We never store or log your plaintext password.
- Using Time-based One Time Passwords for two-factor authentication. We never send authentication codes via insecure channels like SMS.
- Encrypting our database and all uploaded images. We employ additional encryption for sensitive data, like social security numbers.
- Never storing your debit card number.
Plaid makes a product that allows users to securely connect bank accounts to apps. They’re used by companies like American Express and Venmo to authenticate and verify bank accounts instantly. We use Plaid to allow users to connect their other business bank accounts with AIRY9. This enables us to facilitate quick transfers between accounts and centralize your financial data on one dashboard. You can learn more about Plaid at plaid.com.
Sending and Receiving Money
Debit Card
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