Your Business Banking Stack

4.31% FDIC Insured Checking Account powered by Third Coast Bank SSB (NASDAQ: TCBX). Park the rest in 5.07% U.S. Treasury Bills custodied BNY Mellon Pershing*.

Open an account

High-Interest Checking Account

4.31% APY. FDIC Insured. Instant liquidity with no asset volatility.*

Forget your "normal" business bank account

  • No fees... ever

  • No minimum balance... ever

  • No withdrawal limits... ever

  • No effort to link your payroll and bill pay
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How is 4.31% APY possible?

  • Fintechs are built on banks

  • Banks make money by earning interest on customer cash

  • The interest is based on the Federal Funds rate which is 4.50 - 4.75% today

Right now, your bank gobbles up your cash and pays you a criminally low 0.06% APY*.

This is sneaky and wrong.
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U.S. Government Treasury Bills

Custodied at BNY Mellon Pershing. Member of SIPC.


What are Treasury Bills?

  • Securities issued by the U.S. Department of Treasury

  • Backed by the “full faith and credit” of the U.S. Government

  • Treasury Bills fail if the U.S. Government defaults


Why did no one buy Treasury Bills before?

In 2020, the interest rate on a 1 year treasury bill was 0.1%*.

On $10 million, you earned $10,000.

Today, the same t-bill pays you up to 46x (or 4.64%*)!

That is a potential $464,000 to extend your runway or hire more engineers*.

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Put your company's idle cash to work.

* Meow is a financial technology company, not a bank. Banking services are provided by Third Coast Bank SSB; Member FDIC. 0.06% average checking account rate sourced from Business Insider. The information provided is illustrative or for educational purposes only and does not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security. The information is as of the date indicated and may change at any time without notice. Forecasts or projections of investment outcomes are estimates only and as such they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future investment results. Meow is not an investment adviser however we’ve partnered with Helium Advisors LLC (“Helium”), an SEC-registered investment adviser, to bring you certain investing features. All investment advisory services are provided by Helium. We are not affiliated with Helium however we receive compensation as a percentage of assets managed by Helium for promoting Helium’s investment advisory services. Our partnership with Helium gives us an incentive to refer you to Helium instead of another investment adviser that is not a partner of ours. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Helium. This could mean that the services of another investment adviser with whom we are not partnered may be more appropriate for you than those of Helium. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. Helium accounts are not bank guaranteed or FDIC insured. 0.10% is sourced from's December 2020 52 week coupon equivalent yield. 4.64% is sourced from March 2023 52 week coupon equivalent rate yield. $464,000 calculated assuming's March 2023 52 week coupon equivalent yield based upon a $10 million deposit and held to maturity. Projected and/or hypothetical performance is intended to show only an expected range of possible investment outcomes based on historical average returns and standard deviation of each investment type contained in the investment mix recommended by Helium, but does not take into consideration the effect of taxes, changing risk profiles, or future investment decisions. Projected and/or hypothetical performance does not represent actual client accounts or actual trades and may not reflect the effect of material economic and market factors.
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