The bank that thinks, earns, and helps you grow.
Initio Treasury is a living, AI-powered business bank. Every dollar in deposits earns Growth Points — spendable on the legal, hiring, GTM and capital plays our Copilot recommends based on your real cash flow.
A bank that reads your books and tells you what to do next.
Copilot is wired directly into your live Column ledger. It knows your runway, your burn, your inflows. It recommends the exact products to redeem with your Growth Points, when to draw lending, and when you're ready to raise. Available on the Scale plan.
- Reads live balances
- Chat or one-tap actions
- Recommends what to spend on
- Watches cash flow 24/7
Earn points on every dollar. Spend them on growing the company.
Initio gives you back value on your idle cash as points — redeemable for the legal, finance, hiring, GTM and capital services that actually compound.
Every banking primitive. One operating account.
Deposit accounts
Unlimited operating accounts with unique account & routing numbers.
Sub-accounts
Spin up isolated balances per entity, project, or vendor in one click.
Same-day wires
Send and receive Fedwire domestic wires up to 6:00pm ET.
International wires
SWIFT to 130+ countries with live FX and OFAC screening built in.
RTP & FedNow
Real-time payments that settle in seconds, 24/7/365.
ACH & same-day ACH
Push and pull on the ACH network with NACHA-compliant rails.
Checks
Issue, deposit, and positive-pay checks with image capture.
Book transfers
Move money between Initio accounts instantly with no fees, ever.
KYC & KYB
Built-in identity verification, sanctions screening and risk scoring.
The elite card for the founders we build with.
Initio Black is not applied for — it is offered. A hand-finished solid-metal card extended to a small group of founders inside Initio Treasury. A 60–75 day interest-free float, a dedicated 24/7 founder concierge, and the most generous Growth Points multiplier we issue — 5× on every dollar, automatically routed by Copilot into the rewards that move your company forward.
By invitation only. Issued by Column N.A. Eligibility, underwriting and credit terms apply. Invitations are extended at Initio's discretion to active Scale members in good standing.
The only bank that helps you raise capital.
Initio is the only bank with a built-in venture studio. Every account includes access to VentureOS — our private investor network connecting you to vetted angels, family offices, and venture funds actively writing checks.
- Private investor network
- Warm intros to active funds
- Data room & deal management
- Operator-led pitch review
The operating stack and non-dilutive capital, in one place.
Every Initio account opens the door to vetted partners for formation, payroll, legal and tax — plus matched funding from SBA to venture debt.
Pricing that scales with your company.
Start free while you're building. Step up to Scale when you cross $1M in revenue or capital raised — and unlock Copilot, the Black Card, and concierge banking.
- Operating account with routing & account #
- ACH, book transfers & check deposit
- Virtual debit cards
- Growth Points on every deposit
- VentureOS investor network access
- Up to $250k FDIC
- Everything in Starter
- AI Copilot — unlimited, on your live ledger (Scale exclusive)
- Concierge banking · dedicated banker
- Initio Black Card (invite-extended)
- Wires, RTP, FedNow & international
- Unlimited cards & sub-accounts
- 2× Growth Points on deposits & spend
- Bill pay & AP automation
- Priority access to Initio Capital lending
- Up to $5M FDIC
Eligibility for Scale is based on self-attested annual revenue or capital raised. We'll help you upgrade automatically when you cross the threshold.
Answers to the things founders ask first.
Which plan should I start on?+
If your company is under $1M in revenue or raised capital, Starter is free forever and includes the operating account, Growth Points, and VentureOS access. Once you cross $1M, Scale unlocks AI Copilot, concierge banking, and the Initio Black Card for $250/mo.
Is the AI Copilot available on Starter?+
Copilot is included on the Scale plan. It's a true financial operator that reads your live ledger and recommends what to do next — we reserve it for companies actively scaling so the recommendations have material impact.
How do Growth Points work?+
Every dollar of deposits earns points each month. Points are spendable on a curated marketplace of legal, finance, hiring, GTM, infra, AI and advisory services — plus pitch reviews and warm intros via VentureOS.
Who underwrites the lending?+
Initio Capital. Because we hold your operating account, we underwrite against verified cash flow — not PDFs of bank statements. Most term sheets land within 48 hours.
Who holds my money?+
Your funds are held at Column N.A., a nationally chartered bank regulated by the OCC. Initio Treasury is a financial technology product offered by Initio Capital — not a bank itself.
Is my money insured?+
Yes. Deposits are FDIC-insured up to $250k at Column, and up to $5M through our sweep network.
What's VentureOS?+
Our private investment network at initioraise.com. Every Initio account includes warm intros to active funds, an operator-led pitch review, and the ability to run a syndicate through our investor base.
Banking, but living.
Open your Initio account in minutes. Growth Points, in-house lending and the VentureOS network — included from day one. Copilot, concierge banking and the Black Card unlock at Scale.