1. Minimum Eligibility Requirements
In order to qualify for consideration for the North One Referral Bonus program, customers and their North One account (“Account”) must meet the following requirements:
  • Account must be open for at least 90 days and in good standing
  • Minimum of six (6) transactions on the Account (deposits or withdrawals)
  • Customer must furnish a valid TIN and not be subject to backup withholding
NOTE: These requirements are the minimum criteria for eligibility consideration, however not all Accounts who meet these criteria will receive a unique referral code. This offer is subject to limitations and the Account must be manually reviewed and approved by North One prior to enrollment in the referral bonus program. North One may also revoke referral codes at our sole discretion if abuse or fraud has been suspected or confirmed. Please contact [email protected] with any questions.
2. Payment
Customers will receive a $250 referral bonus for each new account opened using their unique referral code (each such new account, a “Referred Account”), once all requirements of these Terms & Conditions have been met. Referred Accounts must fund their account in order for the referral to count toward the referral bonus program. Once the referral code has been used to open a new Referred Account and that Referred Account has been funded, referral bonus payments may take up to 30 days to process.  Any questions about this payment may be directed to [email protected]. Accounts must remain in good standing. Account closures will disqualify customers from the program. If abuse or fraud is suspected or confirmed, North One may reverse referral bonus payment transactions in our sole discretion.
3. Account Update/Closure:
If an Account is closed or suspended before the referral bonus has been credited to the Account, no bonus will be paid out to the customer.
4. Standard & Plus Plan Terms & Conditions
These terms are a binding supplement to the North One Business Account Agreement (“Account Agreement”). Any capitalized terms not otherwise defined herein will have the same meaning as those defined in the Account Agreement.
5. Tax Information
The value of the referral bonus may constitute taxable income and may be reported to the Internal Revenue Service as miscellaneous income to the first signer on the Account, in the year received, as required by applicable law. The program is limited to customers who are citizens of the United States that furnish a valid TIN, and the Account must not be subject to backup withholding. Customers may be issued an Internal Revenue Service Form 1099 (or other appropriate form) that reflects the value of such income paid on the Account. Please consult a tax adviser, as North One does not provide tax advice.
6. Terms & Conditions Changes
The referral bonus and the methods used to determine eligibility are subject to change from time to time. We may at our discretion change these Terms & Conditions, or any aspect of the program that is not material, without notice or liability to customers. Customers will be given notice of material changes in accordance with applicable law.

Banking services provided by The Bancorp Bank, N.A., Member FDIC.
Business Banking
Business Checking AccountBusiness Interest CheckingBusiness Debit CardBusiness Line of CreditBusiness Term LoansSmall Business Bank AccountOpen Business Checking Account OnlinePricing
Lending
Business Line of CreditBusiness Term Loan
Company
CareersSecurity
Business Banking
Business Checking AccountBusiness Interest CheckingBusiness Debit CardBusiness Line of CreditBusiness Term LoansSmall Business Bank AccountOpen Business Checking Account OnlinePricing
Connected Tools
Accounting & BookkeepingBill PaymentsIntegrations
Resources
BlogTools and CalculatorsPerksHelp Center
Connected Tools
Accounting & BookkeepingBill PaymentsIntegrations
Resources
BlogTools and CalculatorsPerksHelp Center
Company
CareersSecurityPartnerships
Address
401 Park Avenue South

10th Floor, Office 823

New York, NY, 10016
Security & Privacy
Terms of useNorth One Privacy PolicyDeposit Account AgreementElectronic Comms Agreement
Blog
Small Business
Business LoansFranchiseSmall BusinessStart a Business
Banking Ops
AccountingBusiness BankingFinancial ManagementNorth One
Industries
ConstructionContractingeCommerceElectrical
Lega
HVACPlumbingSalonTrucking
a Connect your North One Business Checking Account to instant transfer features from third party providers, where funds can typically be available in seconds. Please consult their respective terms and conditions for details on any third party fees or possible delays..

c Fees are charged for certain payment services, see the Fee Schedule in the Deposit Account Agreement for details.
‍
© 2025 North One. All Rights Reserved.

All trademarks and brand names belong to their respective owners. Use of these trademarks and brand names do not represent endorsement by or association with this card program.

Apple® and the Apple logo® are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and the Google Play logo are trademarks of Google LLC.

Banking Services provided by The Bancorp Bank, N.A., Member FDIC. The North One Mastercard® Small Business Debit Card is issued by The Bancorp Bank, N.A., Member FDIC pursuant to license by Mastercard International Incorporated and may be used everywhere Debit Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an Account. What this means for you: When you open an Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.