## what sets us apart

The essentials, nothing more.

**Reliability you can count on**  
Infrastructure built to stay standing.  
[Discover](/content/cash#/index.html)

**Speed that matters**  
Deployment happens in minutes, not months.  
[Discover](/content/cash#/index.html)

### High Yield Checking Account

Earn more on your operating cash. Get industry leading rates up to 3% annually. No minimum balance required.

### Same day payments

Send ACH payments that arrive the same day instead of waiting 2-3 business days. Pay vendors, and suppliers in a few clicks from the same account where you run payroll.

### Vendor management

Manage vendors, track history, and schedule recurring payments. See who you've paid, when, and for what without hassle.

### One platform for everything

Run payroll, pay vendors, send invoices, and manage your cash all in one account. Your business banking connects directly to payroll and AP/AR, so money flows automatically without manual transfers or reconciliation.

"Moving to Thera was one of the best decisions we could have made! It saved us time, money, and allowed us to focus on growing the business"

**Bryan DiGiorgio**  
CEO, 1840 & Company

## QUESTIONS

### What is Thera Cash?

A high-yield business checking account that connects directly to your payroll and payments. Earn competitive interest while running your business operations from one account.

### Does Thera Cash charge any fees?

No monthly fees, no minimum balance requirements, and no transfer fees. You just earn interest on your balance and access same-day ACH at no extra cost.

### Where are my funds kept?

Funds are held at our partner bank OMB Bank and FDIC insured up to $250,000. Your money is protected and accessible anytime you need it.

### How long does it take to get set up?

Most customers complete onboarding in 1-3 days.

### How fast can I access my Thera Cash funds?

Initiate same-day ACH and domestic wire transfers to external banks. Your money is available when you need it.

### What kind of support do I get?

Real people answer real questions. Get a dedicated Slack channel with our team. Available 24/7 for questions about payroll, compliance, or issues.