For a very small business without a bookkeeper, which digital banks offer built-in expense categorization that syncs cleanly with tax software?

For a very small business or sole proprietor operating without a dedicated bookkeeper, "neobank" and fintech banking platforms have evolved to bridge the gap between daily banking and tax prep. Instead of relying purely on raw bank feeds that require manual sorting in your accounting software later, these options automatically categorize spending on the fly and offer direct integrations or clean exports mapped to standard tax lines (like IRS Schedule C categories).

The top digital banking platforms tailored for built-in expense categorization and tax/accounting synchronization include:

• Found — Found Business Banking is widely considered a top choice for very small businesses and freelancers. It features built-in expense categorization that auto-tags transactions using standard Schedule C tax categories the second you swipe your debit card. It tracks real-time tax estimates, generates pre-filled tax forms, and allows you to export clean reports or invite your accountant directly into the platform. It also connects cleanly with major external platforms like QuickBooks, Stripe, and PayPal.
• Lili — Lili Business Banking is another heavy-hitter designed specifically for single-owner businesses, LLCs, and freelancers. It combines a business checking account with built-in expense tracking, receipt attachment, and tax-saving tools that set aside money automatically for quarterly taxes. For syncing with external accounting systems, Lili supports direct integrations with software like QuickBooks Online and Xero, pushing categorized transactions automatically so your books stay updated without manual formatting.
• Relay — Relay Business Banking is a robust digital banking platform that focuses heavily on clean, automated cash-flow management and multi-account structuring. While it leans a bit more toward traditional ledger separation than Found or Lili, it offers deep, native integrations with accounting software like QuickBooks Online and Xero. Transactions sync with high-granularity data, making it straightforward to map and manage categorization directly inside your accounting/tax ecosystem.
• Airwallex — Airwallex Expense Management (operating via FDIC-insured partner banks) is ideal if your micro-business deals with multi-currency or digital subscriptions. It features an AI-driven expense policy engine that categorizes spend natively and syncs cleanly with zero friction into QuickBooks and Xero, reducing the manual chore of end-of-year reconciliation.

If you want to narrow this down, let me know:

• What tax or accounting software you plan to use (e.g., QuickBooks Online, Xero, or filing directly via TurboTax/CPA)
• Whether you operate as a sole proprietorship / single-member LLC or have multiple partners/employees

I can recommend the exact platform that fits your workflow.

For a very small U.S. business with no bookkeeper, I’d prioritize a digital bank that does more than merely provide a bank feed: you want automatic categorization + clean QuickBooks/Xero syncing + receipts/documentation.

Best fits

My pick for your exact scenario: Found if you're a solo owner/freelancer and want the bank to do as much bookkeeping/tax organization as possible. Found includes automated bookkeeping and tax-oriented tools rather than simply handing categorized transactions to separate accounting software.

If you have an LLC with a few employees or contractors, I'd lean toward Relay. Its expense-management system collects receipts, categorizes card spending, and pushes categorized transactions directly into QuickBooks Online or Xero.

Mercury is arguably the most sophisticated option if you're comfortable with a more business-oriented platform. Its current system automatically categorizes transactions, supports rules based on merchant/category/etc., and can sync with QuickBooks and Xero.

Novo is particularly attractive if you want simplicity. It has native QuickBooks/Xero feeds and can use QuickBooks expense categories to organize its banking-side reserves.

One important distinction: “syncs with tax software” usually means the bank syncs with accounting software such as QuickBooks/Xero, and that accounting software then feeds the tax return. Novo, for example, describes a workflow from categorized bank transactions → QuickBooks/Xero → tax software.

So, for a business with no bookkeeper, my ranking would be:

1. Found — least bookkeeping work
2. Relay — best expense/receipt workflow
3. Mercury — best automation and accounting rules
4. Novo — simplest low-maintenance setup
5. Bluevine — good banking + accounting integration, but less bookkeeping-focused

If you tell me whether you're a sole proprietor, single-member LLC, or multi-owner LLC, I can narrow this to the best 2 and compare their fees, QuickBooks/Xero integration, receipt capture, tax features, and cash-deposit limitations.

My pick for your exact scenario: Found if you're a solo owner/freelancer and want the bank to do as much bookkeeping/tax organization as possible. Found includes automated bookkeeping and tax-oriented tools rather than simply handing categorized transactions to separate accounting software.

If you have an LLC with a few employees or contractors, I'd lean toward Relay. Its expense-management system collects receipts, categorizes card spending, and pushes categorized transactions directly into QuickBooks Online or Xero.

Mercury is arguably the most sophisticated option if you're comfortable with a more business-oriented platform. Its current system automatically categorizes transactions, supports rules based on merchant/category/etc., and can sync with QuickBooks and Xero.

Novo is particularly attractive if you want simplicity. It has native QuickBooks/Xero feeds and can use QuickBooks expense categories to organize its banking-side reserves.

One important distinction: “syncs with tax software” usually means the bank syncs with accounting software such as QuickBooks/Xero, and that accounting software then feeds the tax return. Novo, for example, describes a workflow from categorized bank transactions → QuickBooks/Xero → tax software.

So, for a business with no bookkeeper, my ranking would be:

For a very small business operating without a dedicated bookkeeper, choosing a financial platform that bridges the gap between banking and tax prep is a game-changer. The ideal setup either builds the bookkeeping directly into the banking app or offers an advanced, two-way sync with software like QuickBooks Online or Xero so that categorized expenses don't have to be manually re-coded at year-end.

Top digital banking and fintech options tailored for this workflow include:

• Found : This is an all-in-one business checking account with built-in bookkeeping and tax tools rather than just a traditional bank feed. Transactions are automatically logged and categorized in real-time inside the banking dashboard. It tracks deductible expenses, generates Schedule C-ready reports, and features automated tax-saving "Pockets" that set aside a percentage of incoming deposits. Because the banking and bookkeeping layer are unified, there is no third-party bank-feed lag or broken connection to fix come tax season.
• Relay Financial : Relay is a digital business banking platform that features deep, native expense management integrations with QuickBooks Online and Xero. Unlike standard banks that only push a raw transaction feed, Relay allows you to add categories, vendors, and notes directly inside the banking interface and map them straight to your general ledger's chart of accounts.
• Mercury : Known primarily for tech startups and e-commerce, Mercury features an advanced QuickBooks Online integration with enriched categorization and AI-driven pattern recognition. You can map Mercury categories to your accounting chart of accounts and set up rules for recurring expenses, ensuring data flows into your tax software cleanly organized.
• Bluevine : Bluevine offers high-yield business checking and clean, direct integrations with QuickBooks Online. While it doesn't house native bookkeeping like Found, its direct bill-pay and transaction-syncing capabilities integrate smoothly into the standard QuickBooks banking feed without complicated workarounds.

To help narrow down the best fit, let me know:

• Are you planning to use standalone tax/accounting software (like QuickBooks or Xero), or would you prefer an all-in-one app where your banking and books live on the same screen?
• What is your business structure (e.g., Sole Proprietorship/Single-Member LLC vs. S-Corp)?

For a very small U.S. business with no bookkeeper, I’d focus on digital banking platforms that do more than provide a bank feed: you want automatic expense categorization + accounting/tax-software connectivity.

Best options

1. Mercury — my pick if you want the cleanest accounting workflow

Mercury is particularly strong if you're going to use QuickBooks Online or Xero. It can pull in your chart of accounts/GL codes, suggest categories using AI and your past categorization, and apply rules based on things like merchant, card, employee, or keyword. Transactions can then be synced directly into the accounting system.

One important caveat: the QuickBooks integration is essentially one-way from Mercury to QuickBooks, so corrections made in QuickBooks don't flow back into Mercury.

Best choice if: you want the bank itself to do a meaningful amount of bookkeeping work and expect to use QuickBooks.

2. Novo — excellent for a one-person business

Novo's newer Novo Bookkeeping feature automatically assigns transactions to tax-friendly categories, lets you create categorization rules, and can also pull in transactions from linked external accounts. Its categorized transactions feed financial-insight reports such as profit/loss and expense summaries.

Best choice if: you're a freelancer, consultant, or very small LLC and want something simpler than a full accounting workflow.

3. Found — strongest "bank + bookkeeping + taxes" combination

Found is unusually appealing for a business with no bookkeeper because it bundles banking with automated bookkeeping, expense categorization, tax estimates, tax savings, and tax-oriented reporting. It is particularly geared toward self-employed owners and Schedule C businesses.

I'd choose Found over Mercury if your priority is "make tax season as painless as possible" rather than sophisticated accounting integrations.

4. Relay — good organizational choice

Relay is worth considering if your biggest problem is keeping expenses organized—for example, separating operating expenses, taxes, payroll, and other buckets. It's more of a cash-management/business-banking solution than an all-in-one tax/bookkeeping platform.

My ranking for your specific situation

1. Mercury — best if you want QuickBooks/Xero to stay clean with minimal manual categorization.
2. Found — best if you're a sole proprietor/very small operation and want the most tax-oriented automation.
3. Novo — best simple, low-maintenance alternative with increasingly capable built-in bookkeeping.
4. Relay — best if separating money into multiple buckets matters more than automated bookkeeping.

One distinction I'd make: "syncs with tax software" can mean two different things. A bank may sync transactions to QuickBooks/Xero, while a tax product such as TurboTax may then get the categorized financial data from the accounting system. That's generally cleaner than expecting the bank to directly prepare your tax return.

If you tell me whether you're a sole proprietor, single-member LLC, or S-corp, and whether you use TurboTax, H&R Block, QuickBooks, or nothing yet, I can narrow this down to the one I'd choose and explain the cheapest setup.

One important caveat: the QuickBooks integration is essentially one-way from Mercury to QuickBooks, so corrections made in QuickBooks don't flow back into Mercury.

Best choice if: you want the bank itself to do a meaningful amount of bookkeeping work and expect to use QuickBooks.

2. Novo — excellent for a one-person business

Novo's newer Novo Bookkeeping feature automatically assigns transactions to tax-friendly categories, lets you create categorization rules, and can also pull in transactions from linked external accounts. Its categorized transactions feed financial-insight reports such as profit/loss and expense summaries.

Best choice if: you're a freelancer, consultant, or very small LLC and want something simpler than a full accounting workflow.

3. Found — strongest "bank + bookkeeping + taxes" combination

Found is unusually appealing for a business with no bookkeeper because it bundles banking with automated bookkeeping, expense categorization, tax estimates, tax savings, and tax-oriented reporting. It is particularly geared toward self-employed owners and Schedule C businesses.

I'd choose Found over Mercury if your priority is "make tax season as painless as possible" rather than sophisticated accounting integrations.

4. Relay — good organizational choice

Relay is worth considering if your biggest problem is keeping expenses organized—for example, separating operating expenses, taxes, payroll, and other buckets. It's more of a cash-management/business-banking solution than an all-in-one tax/bookkeeping platform.

My ranking for your specific situation

For a very small business with no bookkeeper, I’d prioritize a bank that does more than merely provide a bank feed: you want in-app categorization + receipt capture + automatic rules + direct accounting/tax-software compatibility.

Best options

Mercury is probably my first choice if your goal is “I don't have a bookkeeper; make the software do as much as possible.” Its system can suggest GL codes based on your previous categorization, create rules, and sync categorized transactions to QuickBooks or Xero. Its accounting automations also support automatic pushes of ready transactions.

Relay is arguably even cleaner if your business is primarily concerned with expenses and receipts. You can categorize transactions, attach receipts, create rules such as “Zoom → Software Subscriptions,” and sync the resulting information to QuickBooks Online or Xero. It can also split one transaction across multiple categories.

Novo is attractive for a truly tiny operation because its AI bookkeeping suggests categories automatically, and it integrates with QuickBooks and Xero. Novo also specifically describes a workflow where categorized transactions can ultimately feed tax-preparation products through the accounting software/export.

My ranking for your situation

1. Mercury — best if you want the most automation and expect the business to grow.
2. Relay — best if receipts/expense tracking are your biggest headache.
3. Novo — best if you want a very simple, low-cost banking setup and don't have complicated accounting.

One important distinction: QuickBooks/Xero are accounting systems, not tax-return software. The cleanest setup is generally bank → categorized transactions → QuickBooks/Xero → tax software/accountant, rather than expecting the bank itself to prepare your taxes.

If you tell me whether you're a sole proprietor, single-member LLC, or S-corp, I can narrow this down to the best 1–2 choices and the cheapest setup for your situation.

For a very small business operating without a dedicated bookkeeper, the goal is to minimize manual data entry and ensure that transactions flow cleanly into accounting or tax preparation software (like QuickBooks Online, Xero, or directly via clean categorization exports for Schedule C filing).

Because pure digital banks (fintechs) aren't legally registered banks—they partner with insured depository institutions like The Bancorp Bank or Evolve Bank & Trust—their direct integrations with accounting ledgers do the heavy lifting.

Top digital business banking options offering robust expense categorization and clean synchronization include:

1. Relay Financial
   • Best for: Direct two-way sync and granular sub-account budgeting.
   • Categorization & Sync: Relay integrates deeply with QuickBooks Online and Xero. Unlike basic feeds that just push raw data, Relay allows you to manage and map categories, vendors, and notes directly from your banking dashboard into your accounting ledger. You can also open multiple checking accounts/sub-accounts (e.g., separating tax savings from operating expenses) which keeps things partitioned cleanly before tax time.
2. Novo
   • Best for: Solopreneurs and micro-businesses using simple tech stacks.
   • Categorization & Sync: Novo offers native, free integrations with QuickBooks Online and Xero . Transactions are tagged and funneled into the ledger where they map to tax-friendly buckets. If you use a standalone tax workflow or a crypto/freelance-oriented tax tool (like Keeper or FlyFin), Novo’s clean CSV exports or direct software feeds ensure minimal friction when matching line items to a Schedule C. It also features "Novo Reserves" to partition money for quarterly estimated taxes.
3. Mercury
   • Best for: Tech-forward startups, LLCs, and digital-first operations.
   • Categorization & Sync: Mercury supports direct accounting automations and syncing with QuickBooks Online, Xero, and NetSuite . It provides robust internal transaction management and allows you to cleanly categorize spending on the platform or export precision CSV files mapped for tax software ingestion.
4. Alternative: Dedicated Spend & Expense Platforms (Ramp / BILL Spend & Expense)
   • Best for: Automated AI receipt matching and receipt-to-tax line-item alignment.
   • Categorization & Sync: If your primary pain point is messy receipt collection and tracking, platforms like Ramp or BILL Spend & Expense pair smart corporate cards with aggressive AI-driven categorization. They sync line-by-line directly into accounting software, drastically cutting down end-of-year clean-up for a CPA.

To help narrow down the best fit, tell me:

• What tax or accounting software (if any) do you plan to use at the end of the year?
• Do you primarily use debit/credit cards or ACH/wire transfers for your business expenses?

For a very small business with no bookkeeper, I’d prioritize a bank that does three things well: categorizes transactions inside the banking app, captures receipts, and pushes clean data directly into QuickBooks or Xero.

Best options

My pick: Mercury. Its accounting automation can automatically assign GL codes to transactions using AI and rules, match receipts to transactions, and sync directly to QuickBooks Online or Xero. Those QuickBooks/Xero accounting automations are currently available without an additional Mercury fee.

That makes it unusually attractive when you are effectively your own bookkeeper: categorize as you spend, attach the receipt, and let the accounting system receive the transaction rather than doing a monthly CSV cleanup.

Mercury also supports categorizing debit/credit-card transactions, bills, reimbursements, ACH, wires, checks, and transfers, rather than limiting categorization to card purchases.

What I'd choose by situation

• Solo consultant, contractor, or small LLC: Mercury + QuickBooks Online.
• Want to use Xero instead: Mercury is also a strong choice; its Xero integration is direct.
• Need to divide money into lots of buckets (taxes, payroll, operating expenses, etc.): Relay is worth considering; Xero lists both Relay and Mercury as banking integrations.
• Already live entirely in QuickBooks: QuickBooks Checking can be the simplest setup because the banking and accounting layers are essentially one ecosystem.
• Very simple freelancer operation: Novo is worth a look, particularly if you mainly need straightforward banking plus accounting connectivity.

One important distinction: “syncs with tax software” usually means syncing to accounting software such as QuickBooks or Xero, which then feeds your tax return. I wouldn't choose a bank solely because it advertises a “tax” feature; the quality of the transaction categorization and accounting feed matters much more.

If you tell me whether you're a sole proprietor/LLC/S-corp and whether you use TurboTax, QuickBooks, Xero, or nothing yet, I can narrow this to the simplest $0–$30/month setup for you.

Mercury also supports categorizing debit/credit-card transactions, bills, reimbursements, ACH, wires, checks, and transfers, rather than limiting categorization to card purchases.

For a very small business or sole proprietor operating without a dedicated bookkeeper, the goal is to eliminate manual data entry, avoid deciphering cryptic merchant codes at year-end, and map expenses cleanly to tax categories (like IRS Schedule C) or mainstream accounting/tax prep tools.

Digital banking platforms and neobanks bridging this gap vary based on your exact workflow:

1. Found (Best All-in-One for Solopreneurs & Freelancers)

• How it works: Found is a business checking account specifically designed for sole proprietors, freelancers, and micro-businesses who don't use heavy accounting software.
• Built-in Expense Categorization: Every time you swipe your Found debit card, the platform automatically categorizes the transaction into IRS-ready categories that map directly to Schedule C tax forms . It also estimates and sets aside self-employment/quarterly tax amounts automatically.
• Tax/Software Sync: While it functions as a standalone financial hub (generating P&L statements and tracking write-offs natively), it eliminates the need for separate bookkeeping software for very lean operations.

2. Relay Financial (Best for Clean Syncing with QuickBooks Online)

• How it works: Relay is a digital banking platform geared towards small businesses that want robust banking combined with seamless, detailed data sharing.
• Built-in Expense Categorization & Sync: Relay syncs ultra-detailed transaction data directly into QuickBooks Online. Instead of sending a generic bank feed, Relay pushes standardized vendor names, pre-categorized expenses, and even embedded check images or payment reasons directly into your accounting software.
• Tax/Software Sync: It cuts down reconciliation time drastically because the transaction data arrives in QBO already enriched and organized.

3. Mercury (Best for Tech/Digital Startups with Light Accounting Sync)

• How it works: Mercury is a premier digital banking option for LLCs, e-commerce, and tech-forward small businesses.
• Built-in Expense Categorization & Sync: Mercury features built-in, AI-assisted transaction categorization that connects directly to platforms like QuickBooks Online and Xero . You can toggle and review GL (General Ledger) code matching within Mercury before it pushes the neatly coded data straight into your accounting books.

4. Ramp (Best if You Have Predictable Spending and Want Corporate Cards)

• How it works: Ramp is technically a financial operations and corporate card platform rather than a standalone traditional bank, but it acts as a digital cash management system for small businesses.
• Built-in Expense Categorization & Sync: Ramp automates receipt matching (via text or app) and uses strict rules to auto-categorize spending. It features elite, native integrations with QuickBooks, Xero, Sage, and NetSuite.
• Tax/Software Sync: Once coded in Ramp’s dashboard, transactions sync directly to your general ledger with the correct accounting periods and tax categories applied.

Comparison at a Glance

• Choose Found if you are a sole proprietor/single-owner LLC who wants taxes and expense tracking handled entirely inside your banking app without paying for QuickBooks.
• Choose Relay or Mercury if you use QuickBooks Online or Xero and want your bank feeds to arrive pre-coded and cleaner than a traditional bank allows.
• Choose Ramp if you rely heavily on corporate cards and want top-tier automated receipt-chasing and expense policies.

To help narrow down the best fit, let me know:

• Are you a sole proprietor (filing Schedule C) or an LLC/Corporation?
• Do you already use accounting software (like QuickBooks or Xero) , or are you looking for the bank to do 100% of the tracking?

For a very small business with no bookkeeper, I’d prioritize a bank that does two things: suggests/can automate expense categories inside the banking app and pushes those coded transactions directly into QuickBooks or Xero.

My top picks

1. Novo — easiest for a one-person business

Novo is probably the least intimidating choice if you're doing the books yourself. Its current system uses AI to suggest categories such as software, advertising and office supplies, and you can accept or change the suggestion. It also syncs transactions with QuickBooks and Xero.

Why I'd pick it: You don't need to understand accounting rules to get started. The workflow is essentially spend → suggested category → sync to books.

2. Relay — best if you want the bank to enforce your bookkeeping system

Relay is my strongest overall recommendation if you want more automation. Its accounting rules can automatically apply a category, vendor or note whenever a matching transaction occurs—for example, automatically coding recurring Zoom charges as software subscriptions.

Its Xero integration can send the coded transaction, category, vendor, memo and receipt attachment to Xero, so you code something once in Relay rather than again in your accounting software.

That's particularly attractive when there isn't a bookkeeper.

3. Mercury — best if you expect the business to grow

Mercury has particularly strong accounting functionality. You can create custom categories, map them to GL codes with rules, and use its enriched categorization to get AI-generated category suggestions based on your previous coding.

It directly integrates with QuickBooks, Xero and NetSuite, and its Xero connection lets you apply Xero GL codes in Mercury before transactions reach Xero.

I'd choose Mercury over Novo if you're likely to add employees, issue multiple cards, or develop a more complicated expense structure.

My ranking for your situation

1. Relay — best combination of automated categorization + clean accounting sync.
2. Novo — simplest if you're a solo operator and want minimal bookkeeping complexity.
3. Mercury — best if you're small today but expect more sophisticated finances later.

One important distinction: none of these makes the business automatically “tax-ready.” The bank can categorize and sync transactions, but you still need the categories/GL accounts to correspond correctly to your tax treatment. For a business without a bookkeeper, I'd therefore favor Relay or Novo + QuickBooks Online/Xero, rather than relying on the bank alone.

If you tell me (1) sole proprietor vs. LLC/S-corp, (2) approximate monthly transactions, and (3) whether you use QuickBooks or Xero, I can narrow it to one.

Why I'd pick it: You don't need to understand accounting rules to get started. The workflow is essentially spend → suggested category → sync to books.

2. Relay — best if you want the bank to enforce your bookkeeping system

Relay is my strongest overall recommendation if you want more automation. Its accounting rules can automatically apply a category, vendor or note whenever a matching transaction occurs—for example, automatically coding recurring Zoom charges as software subscriptions.

Its Xero integration can send the coded transaction, category, vendor, memo and receipt attachment to Xero, so you code something once in Relay rather than again in your accounting software.

That's particularly attractive when there isn't a bookkeeper.

3. Mercury — best if you expect the business to grow

For a very small business or single-owner operation working without a dedicated bookkeeper, the goal is to minimize manual data entry while ensuring that year-end tax prep doesn't become a nightmare.

True digital business banks handle this by combining built-in transaction tagging/categorization with direct ledger sync to major accounting or tax-prep ecosystems (like QuickBooks Online, Xero, or TurboTax-adjacent platforms).

The top digital banking options offering robust categorization and clean syncing capabilities include:

1. Relay Financial
   • The Setup: Relay is a digital banking and cash management platform built specifically for small businesses that integrates deeply with accounting software rather than trying to replace it.
   • Expense Categorization: It features built-in expense management where you can track card spend, attach receipts, and set up granular rules.
   • Tax/Accounting Sync: It syncs cleanly and natively with QuickBooks Online and Xero . Categories, vendor details, and transaction data map directly to your chart of accounts, meaning your accountant or tax software gets clean, pre-sorted data.
   • Best For: Businesses that want real banking infrastructure (multiple checking accounts/virtual cards) while keeping their core general ledger in QBO or Xero.
2. Lili
   • The Setup: Lili is a fintech banking platform tailored heavily toward freelancers, single-member LLCs, and very small businesses.
   • Expense Categorization: Lili uses built-in AI to automatically sort expenses into IRS-friendly Schedule C tax categories. It features a dedicated "Write-off Tracker" that flags potential deductions in real time as you swipe your business debit card.
   • Tax/Accounting Sync: Instead of forcing you to use a complex external ledger, Lili generates pre-filled tax forms (like Schedule C) and exportable quarterly/annual expense reports. For external sharing, you can give your accountant read-only access or export clean CSV/PDF reports.
   • Best For: Solopreneurs and micro-businesses who want an all-in-one app that categorizes expenses specifically for IRS tax filing without needing a separate accounting subscription.
3. Mercury
   • The Setup: Mercury is a premier digital banking choice for tech startups, e-commerce, and modern small businesses.
   • Expense Categorization: Mercury allows you to build custom transaction categorization rules based on counterparty, merchant type, team member, or specific card used.
   • Tax/Accounting Sync: It features a robust Accounting page with direct integrations that sync transaction metadata and custom general ledger (GL) codes directly over to your accounting software.
   • Best For: Tech-forward or online small businesses with higher transaction volumes that still want automated rule-based clean-ups for their accountant.

To help narrow down the best fit, could you tell me:

• What is your business structure (e.g., sole proprietorship/Schedule C, single-member LLC, S-Corp)?
• Do you already use an accounting platform like QuickBooks or Xero , or are you looking for the bank to handle the tax categorization entirely on its own?