Business Checking & Banking for HVAC & Plumbing

No-fee business banking built for Profit First cash management

Relay is a no-fee online business banking platform that provides up to 20 individual checking accounts and 50 debit cards, making it the go-to choice for HVAC contractors practicing Profit First cash management and for bookkeepers who want clean QuickBooks feeds across multiple ledgers.

Financial intelligence for backbone-industry SMBs

Financial operating system purpose-built for Main Street SMBs in trades like HVAC, with an ACCA-branded cash-back Mastercard, expense management, and bill pay.

Banking built for construction and HVAC contractors

Truss is a Y Combinator-backed banking and payments platform purpose-built for construction contractors and trades businesses, with no-fee checking via Thread Bank, free ACH and card acceptance, unlimited team cards with spend controls, and faster outgoing payments tailored to HVAC cash flow.

Regional bank with a named HVAC skilled trades vertical

First Citizens Bank runs a named HVAC skilled trades vertical with tailored small business checking, equipment and vehicle financing, business Visa credit cards, treasury management, and SBA lending, serving contractors primarily across the Southeast and Mid-Atlantic.

Business banking with built-in bookkeeping and tax tools for solopreneurs

Found is a mobile-first business banking platform for self-employed trades professionals and single-truck HVAC operators, with built-in automatic bookkeeping, Schedule C-aligned expense categorization, quarterly tax estimates, and unlimited free invoicing.

Full-service business checking from America's biggest bank

Small business checking from the largest U.S. bank, bundling deposits, QuickAccept card processing, and invoicing for HVAC contractors who want branches, ATMs, and national scale.

Banking and consumer financing built for HVAC and specialty contractors

U.S. Bank's Specialty Contractors program is a dedicated vertical serving HVAC, electrical, landscaping, and construction businesses with tailored business checking, equipment financing, and Avvance point-of-sale consumer financing that HVAC contractors can offer homeowners at the kitchen table.

Free digital business checking for small business owners

Novo is a fee-free digital business checking platform for LLCs, sole proprietors, and small trades businesses, with built-in invoicing, Stripe and Square integrations, and a QuickBooks sync that makes it popular with one-to-five truck HVAC shops that want simple banking without monthly fees.

Established business banking with tiered rewards

National business checking from Bank of America with two tiers, Preferred Rewards, and deep integrations across merchant services, cards, and lending for established HVAC contractors.

National business banking with three checking tiers and full lending suite

Wells Fargo Business Banking offers three-tier checking accounts (Initiate, Navigate, Optimize) plus lending, payroll, merchant services, and equipment financing through one of the largest national branch networks in the U.S., making it a convenient choice for established HVAC contractors who want in-person banking and SBA lending under one roof.