Banking built for the business of real estate.
Banking services provided by i3 Bank, Member FDIC. See disclosures
The brokerage and its agents get purpose-built accounts on one ledger, connected to the deal data in your back office.
Pays commissions to agents when deals close.
Collects agent dues and fees, pays vendors, and funds staff cards.
Visa debit card spend and bill pay for the agent's real estate business.
Sets aside a share of each deposit for taxes, automatically.
When the brokerage and the agent both bank on Upfront, commission payouts land instantly: nights, weekends, and holidays included. Payouts to outside bank accounts follow standard ACH timing.
Issue Visa debit cards to staff and marketing with spend limits and controls. Card spend posts to the ledger as it happens, coded and ready for your books.
Pay vendors by ACH or by printed and mailed check from the operating account, with bookkeeping synced to QuickBooks.
Funds held in the accounts earn interest up to 2.67% Annual Percentage Yield** while they wait to be spent.
Brokerage- or franchise-branded accounts give agents a reason to join and a reason to stay, starting with commissions that arrive any hour of any day.
Your logo and colors on the agent's accounts, app, and debit card.
A tax savings account sets aside a percentage of each deposit. Agents pick the percentage once, which makes quarterly estimates and 1099 season easier to plan for.
Funds held in the accounts earn interest up to 2.67% Annual Percentage Yield** while they wait to be spent.
A debit card for real estate business expenses, plus bill pay from the same account.
Your logo, colors, and card design on the accounts, the app, and the card. Upfront sets up and runs the program behind the scenes.
Built-in identity verification lets agents apply for an account from their phone, with no branch visit and no paperwork. Accounts are subject to approval.
Dues collect, bills go out by ACH and mailed check, staff cards go live, and bookkeeping syncs to QuickBooks.
Tell us about your brokerage, franchise, team, or business. We'll reach out before launch with what onboarding looks like for you.
We'll be in touch before launch. Questions in the meantime? Email founders@myupfront.com.
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No. Upfront is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC.
Deposits are held at i3 Bank, Member FDIC, and accounts are FDIC insurance eligible up to $3M through the i3 Bank deposit sweep program. Eligibility depends on the FDIC's requirements for pass-through deposit insurance being met. See the full disclosure below.
Soon. Join the waitlist and we'll contact you before accounts open, with onboarding details for your brokerage, franchise, team, or business.
Franchises, brokerages, teams, and individual agents in the US. Brokerage and franchise programs are set up with the brokerage, so your agents get accounts under your brand. Agents can join too, and we'll follow up on how to get access.
*Upfront is a financial technology company and is not a bank. Banking services are provided by i3 Bank, Member FDIC. The Upfront Visa Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. Deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the i3 Bank deposit sweep program. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail.
**Annual Percentage Yield (APY) is variable and subject to change after account opening. Rate is compounded monthly and credited monthly.
Upfront Banking is not yet available. Features, availability, and terms are subject to change. Accounts are subject to approval.
