Do I need an LLC or a company to open a Rho account?

You need a registered business entity to open a business bank account — and if you don't have one yet, Rho can file your incorporation for you, free.

How much does Rho cost for creators?

Rho is free to use: banking, invoicing, and support come at no extra cost, with $0 Rho fees on domestic ACH, wires, and checks. Card payments on invoices carry standard processing fees, shown upfront.

Is there a follower minimum?

No. Rho works with creators from their first brand deal to their first million. Eligibility is based on standard business account approval, not audience size.

How does the affiliate program work?

Refer a creator, and once their account is open, you earn 30% of the annual contract value for one year. Full terms and conditions apply.

Business banking built for creators.

You're becoming a business. Rho helps you build one. Open a business account, incorporate, invoice brands directly, and keep all your finances in one place.

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What you get with Rho

$0to bank, invoice, and manage money on Rho with no subscription

<10 minless than 10 minutes to apply for a Rho account online

$0Rho fees on domestic ACH, wires, and checks

$250Kin FDIC deposit insurance on Rho checking, per entity¹

¹ Checking deposits are FDIC-insured up to $250,000 per entity through Webster Bank, a division of Santander Bank, N.A. Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC, and by Lead Bank, Member FDIC.

How it works

From creator to company

01
Make it official
Not incorporated yet? Rho files your incorporation for you and opens your business account the same day.
02
Consolidate your income streams
Brand deals, monetization, affiliate codes all deposited and tracked in one account.
03
Invoice brands directly
Send branded invoices with a payment portal on every one. Vendors and brands don't need a Rho account to pay you.
04
Let it run itself
Payments match to invoices automatically, expenses stay organized during tax season, and idle cash can earn in Treasury.

KEY FEATURES

Everything your business needs.

Get paid on time, without the chasing

Track in one view and let automatic reminders follow up on late payments, so you never have to send the awkward nudge.

Invoice from Viral Startup for $1,500 due January 10, 2025, marked unpaid with payment instructions via bank transfer.

Humans who understand your money

24/7 support from real people for the questions that actually matter.

Put your money to work

Rho Treasury lets idle cash earn interest between the big months and move back to checking whenever you need it.

Know other creators?

Join the Rho affiliate program and earn a share for every referral for a full year from account opening.

A smartphone screen shows a notification that an invoice for $1,500 to The Cool Company has been sent, labeled unpaid; due Feb 1, 2026.

We're ready when you are.

Talk to us

Apply online in less than 10 minutes. Invoicing comes with the account, and payments land directly in your Rho business checking account.

Frequently asked questions

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC, and by Lead Bank, Member FDIC. FDIC insurance coverage is only available to protect you against the failure of an FDIC-insured bank that holds your deposit; it does not protect you against the failure of Rho. Competitive data collected from Stripe, Mercury, and QuickBooks websites as of 2026-08-20, and may change. Product claims current as of August 2026.