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* Offer is valid only for YC W26 new Arc customers who apply for an Arc Business account through this offer page and meet all the qualifying criteria. Account opening is subject to review and approval. To qualify for the Deposit Bonus: (1) Your end-of-day balance in your Arc Business account must be at least $500,000 within 30 days of approval of your Arc Business account (the first such date, your “Deposit Bonus Funding Date”); and (2) The average daily balance of your Arc Business account during the 90 days following your Deposit Bonus Funding Date must be at least $400,000. Pending inbound or outbound transfers do not count toward the qualifying criteria. Qualifiers will receive a one-time $5,000 bonus (the “Deposit Bonus”) directly in their Arc Business account within 10 business days of the end of the 90-day period. To qualify for the Founder Wellness Reimbursements in a given calendar month, you must maintain an end-of-day Arc Business balance of at least $300,000 (Tier 1) or $100,000 (Tier 2) or $50,000 (Tier 3) on each day of the month. If you have an active auto-transfer rule to maintain at least $300,000 (Tier 1) or $100,000 (Tier 2) or $50,000 (Tier 3) in your Arc Business account that was not cancelled and did not fail during the month, you will qualify even if your daily balance drops below the respective minimums. Tier 1 qualifiers will receive reimbursement of up to $1,000, Tier 2 qualifiers up to $500, and Tier 3 qualifiers up to $250, of eligible net recurring/subscription payments made with their Arc Card to eligible providers in that calendar month. Transaction and provider eligibility is subject to Arc’s sole discretion; you may contact Arc to confirm eligibility of a transaction type or provider. Your eligibility for the Founder Wellness Reimbursement benefit ends 12 months after your initial Arc account approval. To qualify for the Reimbursed Premium benefit, upgrade to Arc Premium within 90 days of Arc account approval through your Arc dashboard using the promo code provided to you. Arc will reimburse your payments of monthly Arc Premium fees (up to $1,000 per month) for the first 12 months of your Arc Premium subscription. You must have an active Arc Business account in good standing to receive the Deposit Bonus, the Founder Wellness Reimbursements, and/or the Reimbursed Premium benefit. Void where prohibited. These offers cannot be combined with any other offer or promotion, and may change without notice. Digital billboard and neon office sign offer is subject to availability and content / design review. Arc may substitute a $200 bonus value to your Arc Business account.

All without minimums and usage-based fees.

Cash management essentials to help you grow

Plus the premium features built for scale

Set up auto-balancing rules to automatically move funds between all of your accounts, with the aim to optimize the use of uninvested cash.

Earn rewards on all card spend and funds stored in your Business account, and spend it on the essentials you need to run your business.

Store your money with diverse financial institutions³. Access your cash with a powerful yet simple interface built for the modern CFO.

Receive dedicated support from a Capital Markets expert throughout the entire process, from onboarding to funding.

Grow your business balance, boost your wellness reimbursements*

YC companies use Arc to scale their finances.

Access these Y Combinator-only Perks

Smart rules to help maximize your earnings

Get rewarded for the money you spend - and the money you don't

Upgrade your finance stack and diversify your cash

One team, dedicated to your success