Data as of Sep 22, 2026A topic in Digital Business Banking Accounts.
Reviewed by Dimitry Apollonsky
AI summary
Relay holds a clear lead for business banking with sub-accounts, earning frequent mentions for its support of multiple checking sub-accounts. When founders ask specifically about automated envelope or bucket savings features to separate tax reserves, Intuit is the usual answer.
organizing business finances through multiple dedicated checking sub-accounts
handling digital business banking needs alongside automatic tax planning
automated tax saving buckets that move a percentage of income automatically
creating unlimited budgeting envelopes to manage distinct cash reserves
Which business bank accounts offer features to support the Profit First cash management system?
Can you recommend business banking services that allow me to segregate funds easily to follow the Profit First cash management strategy?
I need a business bank account that helps with Profit First accounting. What options offer built-in features for segregating cash and managing budgets?
ChatGPT SearchSep 22, 2026
Yes. Several U.S. digital business-banking platforms now offer some version of envelopes, pockets, reserves, or sub-accounts that can automate tax set-asides.
| Provider | Feature | Automation | Best fit for tax reserves |
|---|---|---|---|
| Mercury | Multiple checking/savings accounts | Auto-transfer by percentage or target balance | Strong |
| Found |
| Automatically allocate a percentage of each deposit; tax estimate can drive the allocation |
| Excellent, especially sole proprietors |
| Novo | Reserves | Auto-route a percentage or fixed amount from incoming deposits | Strong |
| Lili | Tax Bucket | Automatically set aside a chosen percentage of business income | Excellent for straightforward tax saving |
| Relay | Multiple accounts + savings | Auto-transfer rules can move excess cash into savings | Good, particularly for Profit First-style cash management |
Mercury lets you create additional checking or savings accounts and name them—for example, “Taxes,” “Payroll,” or “Operating Expenses.” Its auto-transfer rules can maintain target balances or distribute funds by percentage.
Found is particularly interesting if the primary goal is taxes. Its Pockets can be customized for things like Taxes, Payroll, Profit, and Operating Expenses, and deposits can automatically be allocated among them. For sole proprietors, Found can calculate an estimated tax requirement and automatically put that amount into the Taxes pocket.
Novo calls its envelopes Reserves. You can create separate buckets inside the checking account and automatically allocate either a percentage or fixed dollar amount from incoming deposits. Novo specifically describes tax, payroll, and slow-season reserves as use cases.
Lili has an explicit Tax Bucket: each business-income deposit can have a predefined percentage automatically set aside. It's available on its paid Pro, Smart, and Premium plans.
Relay takes a somewhat different approach: its savings accounts can use auto-transfer rules to move excess cash out of operating accounts into savings. That makes it useful if you want actual savings accounts rather than purely organizational buckets.
For a startup/LLC/S-corp where you simply want a “Taxes” bucket, I'd focus on Mercury or Novo because their multi-account/reserve structure is flexible beyond taxes.
For a solo business where automated tax calculation is the main attraction, Found or Lili are more tax-centric.
One important distinction: a “bucket” generally isn't a separate legal bank account. For example, Novo explicitly says its Reserves remain part of the parent checking account, while Found's Pockets roll up into the overall account balance.
If you tell me whether you're sole proprietor, single-member LLC, S-corp, or C-corp, I can narrow this to the options that make the most sense for your tax-reserve workflow.
Several top digital business banking platforms support automated envelope or bucket savings features to separate tax reserves, with Found and Novo leading for built-in tax automation, and Relay leading for multi-account envelope budgeting. [](https://www.novo.co/business-checking/sub-accounts)[[2](https://found.com/resources/business-banking/best-business-bank-accounts-consultants-agencies)](https://found.com/resources/business-banking/best-business-bank-accounts-consultants-agencies)[[3](https://novo.zendesk.com/hc/en-us/articles/360022409332-Can-I-have-multiple-Novo-accounts)](https://novo.zendesk.com/hc/en-us/articles/360022409332-Can-I-have-multiple-Novo-accounts)
| Digital Bank | Core Feature Name | Automation Capabilities | Best For |
|---|---|---|---|
| Found | Tax Savings Bucket & Pockets | Automatically calculates real-time tax estimates and auto-saves a portion of deposits. | Sole proprietors & freelancers wanting true tax autopilot. |
| Novo | Novo Reserves | Allows setting up auto-allocation rules to route a fixed percentage of incoming deposits into named buckets. | Small businesses using Novo Reserves for clean cash-flow management. |
If you can share your business structure (e.g., Sole Proprietor, single-member LLC, S-Corp) and whether you need automatic percentage-splitting or just manual multi-account partitioning , I can recommend the exact platform that fits your workflow.
| Relay | Multiple Checking Accounts / Pockets | Lets you open up to 20 individual checking accounts (and virtual cards) under one login, though allocations are typically manual. | Businesses needing hard ledger separation via multiple accounts. |
| Rho | Sub-accounts / Treasury | Offers granular capital categorization within a single dashboard for structured operational budgets. | Scaling teams requiring robust spend controls and accounting clarity. |
