Meow review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Meow pays interest on business operating cash, so it suits US companies that park large sums in an account they still draw down. The headline rate is 3.68% to 3.92% on a variable basis, above the site figure of 3%, but the entry bar is steep.
Key facts
- Best for
- US businesses with a large operating balance and no monthly charge.
- Headline rate
- 3.68% to 3.92%↗
- Rate type
- Variable↗
- Minimum deposit
- $100,000↗
- Deposit protection
- FDIC up to USD 250,000↗
- Access terms
- On-demand business checking held at partner banks (Grasshopper Bank, Cross River Bank) with sweep to a network of FDIC-insured banks, 18+, US-registered entities only↗
- Monthly fee
- $0↗
- Account kind
- Cash management↗
- Legal entity
- Meow Technologies, Inc.↗
- Headquarters
- United States↗
- Founded
- 2021↗
- Support channels
- Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- meow.com
Credit cards
Mortgages
- Purpose
- Purchase↗
Facts checked September 26, 2026, 7 sources
Pros and cons
Pros
- Deposits are covered by FDIC up to USD 250,000, with balances swept across a network of insured banks.
- Card spend earns 2.5% on eligible AI spend, credited back as cashback.
- The account is on demand, so money keeps earning while you draw on it for payroll and bills.
Cons
- The minimum deposit is $100,000, which shuts most small businesses out.
- Support runs on email and help centre only, so there is no phone line when a payment fails.
- The rate is variable, so income on a large balance follows the market instead of a fixed level.
Who it suits
- US-registered businesses that keep a large operating balance and want it to earn interest.
- Owners who want 2.5% on eligible AI spend back on eligible card spend.
- Companies happy to hold deposits across a network of insured banks rather than a single balance.
Who should look elsewhere
- Savers outside the US: this is a business account for US-registered entities, while Wise pays 3.29%.
- Anyone after a locked rate, since the rate is variable and Finteres lists 0% to 36%.
- Companies that cannot hold $100,000; bunq at 3.01% suits a lighter balance.
Rates and card terms
Meow pays a variable rate, so the return tracks the market instead of locking in for a term. The headline rate is 3.68% to 3.92%, a range rather than a single level, and the rate can move while the account is open. Treat the top of that range as the figure to compare against other cash management accounts and the bottom as the level it starts from.
How Meow compares
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Where Meow is available
- Available
- United States
- Licence in United States
- U.S. Securities and Exchange Commission, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does Meow pay on business balances?+
Meow pays a variable rate on operating cash, with a headline rate of 3.68% to 3.92%. The rate is variable, so it moves with the market instead of holding steady for a fixed term. That fits businesses treating the balance as working money rather than savings.
Is there a monthly or annual fee?+
Nothing is charged to hold it. The account is a no monthly fee account, the monthly fee is $0, and the card's annual fee is $0. The interest rate is the only figure that moves, so a company earning enough to clear the minimum pays no account costs.
How much do I need to open an account?+
The minimum deposit is $100,000, and that is the real gate. It sits far above the minimum most savings accounts set, so a company starting small would do better with a plain easy-access account first and move up as its balance grows.
Is my money protected?+
Deposits are held at partner banks and swept to a network of insured banks, with protection of FDIC up to USD 250,000. Access is open to US-registered business entities and adults only, so the account narrows both location and customer type.
What rewards does the Meow card pay?+
The card pays 2.5% on eligible AI spend, credited as cashback, and it is a credit card with an annual fee of $0. The reward applies to eligible spend in that category rather than to every transaction, so the rate matters only if you buy from those merchants.
How do I get help?+
Help comes through email and help centre. There is no phone line, so a blocked payment or a failed transfer travels by email or the help centre. Firms used to ringing their bank will find that a real limitation.
Can I use Meow outside the US?+
Access is for US-registered entities only, with balances held at partner banks in the US. Elsewhere, Wise pays 3.29% on balances and bunq pays 3.01%, so both sit within reach of Meow's 3.68% to 3.92%.
Sources
- meow.com checked September 26, 2026
Backs: Account kind, Annual fee, Audience, Card kind, Cashback rate, Features, Headline rate, Minimum deposit, Rate type, Rewards rate, Rewards type, Support channels
“Earn up to 3.68-3.92% yield on idle cash with a Commercial Paper Account”
- meow.com/business-checking checked September 26, 2026
Backs: Pricing model, Monthly fee
“Say goodbye to wire, ACH, and account maintenance fees”
- meow.com/legal checked September 26, 2026
Backs: Deposit protection, Licences
- meow.com/legal/privacy checked September 26, 2026
Backs: Headquarters
“please email us at support@meow.com or write to us at 113 Spring St, 3rd Floor, New York, NY 10012”
- meow.com/legal/terms-of-service checked September 26, 2026
Backs: Access terms, Legal entity
“Business Checking account is opened at a partner Bank; deposits sweep across a network of FDIC-insured banks, up to the current SMDIA of $250,000 per eligible depositor per destination institution”
- meow.com/mortgage checked September 26, 2026
Backs: Purpose
“Apply for a founder-friendly mortgage from Meow's network of mortgage providers”
- pitchbook.com/profiles/company/481982-05 checked September 26, 2026
Backs: Founded
“Meow was founded in 2021”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.