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Winden Reviews

8.4

bestfor-icon Digital Business Owners Seeking Comprehensive Banking

laurenbrown
Written by Lauren Brown

About Winden | Read More

8

LS Score

8

Credibility

8

Support

9

Accessibility

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Contact Information Contact Information drop-down-btn
  • support@winden.co
  • 10000 Santa Monica Blvd #2104, Los Angeles, California 90067, United States
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Winden Online Banking Review

Winden Technologies, Inc. offers business accounts for US companies, including US C-Corps, LLCs, and sole proprietors. Applications are available to those with at least 25% ownership in an American business, regardless of their residency.

Winden Online Banking Highlight

No minimum

Min Deposit

55,000+ AllPoint ATMs

ATM Network

None

Other Fees

Business Online Banking

No minimum

Min Deposit

Max 4%

Min APY Business

Account types

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  • Business Checking
  • Business Savings
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APY's

Account  1 Year 3 Years 5 Years
Business checking account – Basic 0% N/A N/A
Business checking account – Pro 0% N/A N/A
Business checking account – Ultra 4% N/A N/A

Features Benefits & Rewards

  • Costs are limited to a monthly subscription amount only
  • No additional fees
  • Virtual and physical cards are available
  • Each plan offers unlimited invoicing services
  • Earn Winden rewards points on qualifying purchases with cash-back redemption benefits
  • Mobile application
  • 24/7 customer service for subscribers

Opening an Account With Winden

Follow these simple steps to open an account with us and embark on a journey of convenient, 24/7 banking at your fingertips.

Winden - create an account
Step 1

creating an account and verifying your contact information

Step-2-Winden-Business-Online-Banking_1
Step 2

Social Security Number

Step-3-Winden-Verify-ID_1
Step 3

US driver's license or ID card

Step-4-Winden-Verify-Passport_1
Step 4

Proof of address

Step-5-Winden-Verify-Address
Step 5

Verify your business details

Winden - Step 6
Step 6

Business Type

Winden - Step 7 - Business activity
Step 7

Business Activity

Step 8 Winden Business Verification
Step 8

Business Verification

Step 1: To open a business checking account, you will begin by creating an account and verifying your contact information.

Step 2: Verify your identity by providing your Social Security Number.

Step 3: Provide photo ID using your US driver’s license or ID card.

Step 4: Non-residents need to provide a photo of their passport for verification.

Step 5: Confirm your address and provide proof of address.

Step 6: Verify your business details.

Step 7: The specific documentation required depends on your business type (sole proprietor, C-Corp, or LLC).

Step 8: The account opening process also asks for details on the company’s activities.

State Availability

- Available in all states

laurenbrown
Written by Lauren Brown linkedin-icon

Lauren has over a decade of experience in wealth management and financial planning. She is a CFA charterholder and holds a Bachelor's degree in Finance. Lauren has worked with several asset management firms, offering wealth advisory and portfolio management services to high-net-worth clients.

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FAQ’s

Are Winden accounts insured?

Yes. Blue Ridge Bank N.A., an FDIC member, provides Winden’s banking services. This means accounts have coverage from the FDIC subject to the maximum limit. As of November 2023, the limit for FDIC insurance is $250,000 per depositor, per account type.

Who can open an account with Winden?

Winden offers accounts to US business owners with at least a 25% stake in an American company. Provided the business is in the United States the owner does not need to reside within the country.

How much do Winden accounts cost?

Winden offers business checking accounts on a tiered subscription basis. Currently, there are three plans: Basic, Pro, and Ultra. There are no additional fees.

Customer Support

Winden’s customer service is limited to email and chat only; they do not have a telephone contact number. Though this could be an issue for some, Winden’s target clients are business owners with online or digital businesses. This means the clientele will likely be technology savvy and shouldn’t see the lack of telephone support as a major issue.

Correspondence through the company’s chat is with live agents rather than chatbot. This is beneficial should you have questions or issues during the account opening process. As the agent said, they “find that email and chat options are very effective. This way we are able to share links, articles, and screenshots for customer support.”

Prospective clients experience a slower response time for both chat and email, as agents are not available 24/7. The agent was delayed outside of regular business hours, though helpful in their responses. Once you open an account and become a paying subscriber, you should be able to access help at any time, though I could not confirm this.

Winden posts detailed FAQ and Help Centre articles, and these questions appear to be updated frequently to provide the latest information.

Privacy & Security

Winden Technologies, Inc. is committed to upholding the privacy and security of its customers’ personal information. The company provides a detailed explanation of how it safeguards personal information in the Winden Privacy Policy found on its website.

In Conclusion

Winden offers comprehensive subscription-based business banking services for companies operating in the new Internet era. Focusing on digital entrepreneurs and online business owners, Winden is unique in its offerings and will likely continue evolving its services as the company grows. Customer support is helpful through chat and email, though service is slow if you are not already a customer or attempt contact outside of regular business hours.

Brand Disclaimer

These Terms of Use are between you and Winden Technologies, Inc. and its affiliates (collectively “Winden,” “we,” or “us”), concerning your use of (including any access to) the banking and other financial services we make available to you on our website located at: https://winden.co (the “Site”) or on our mobile application (the “App,” together with the Site and banking and financial services, collectively the “Services”). By accessing or using our Services, or otherwise manifesting your assent to these Terms of Use (the “Agreement”), you signify that you have read, understood and agree to the Agreement and our collection, storage, use and disclosure of your personal information as described in the Privacy Policy located at: https://winden.co/company/privacy-policy. Additionally, by submitting your application to obtain an account with us (“Account”), you signify that you have read, understood, and agree to be bound by, the Deposit Account Agreement and/or the Debit Cardholder Agreement, as applicable, of the banking service provider(s) for your account. You also agree to receive all notices and other communications from us electronically. Winden reserves the right to make unilateral modifications to these terms and will provide notice of these changes by posting an updated version here: https://winden.co/company/terms. “Company” or “you” means the legal entity that is applying for or that has opened an Account to use the Services and the individual applying for the Account. If you are the individual applying for the Account, you represent and warrant that you are an authorized representative of Company with the authority to bind Company to this Agreement (“Administrator”), and that you agree to this Agreement on Company’s behalf.