Unlocking the Full Value of Small Business Banking: Introducing the New Autobooks Packages

Small businesses are evolving, and so are their financial needs. In today’s digital-first economy, small business owners expect more than a traditional checking account. They need tools to manage payments, track cash flow, automate accounting, and access capital — all within the digital banking experience they already use and trust. 

To help financial institutions meet this demand, Autobooks has introduced a new lineup of product packages: Basic, Plus, and Pro. Each tier is built to deepen engagement, enhance the customer experience, and help your institution grow and retain deposits from this valuable segment. 

Why launch new Autobooks packages now?

Challengers like Square, Bluevine, and even large banks like Chase are no longer just offering checking accounts. They’re building full financial ecosystems for small businesses — bundling accounting, receivables, merchant services, and lending into one experience. 

These platforms use deep integration and user-friendly tools to build loyalty and take deposits away from traditional institutions. 

Your financial institution already has something they don’t: trusted relationships and direct account ownership. Autobooks helps you compete by embedding modern, small-business-focused tools into your existing digital banking experience. 

What's included in the Autobooks package lineup?

What's in Autobooks Basic?

A no-cost way to get started 

Basic includes everything needed to help small businesses get paid faster, directly through your digital banking channels (partner availability may vary): 

• Advanced digital invoicing and payment acceptance 

• Payment Link with recurring payment support and pay with Apple Pay 

• Branded checkout pages and QR code support 

• Revenue share when Autobooks serves as the payment processor 

This is an ideal entry point to engage business owners and start building digital relationships around receivables.  

What's in Autobooks Plus?

Expands functionality with mobile point-of-sale and working capital tools 

Plus builds on Basic by adding advanced receivables functionality to ensure you stand out from the competition:  

• Real-time payment settlement 

• Accept payments in person using Tap to Pay on iPhone 

• Access Autobooks Capital, a pre-qualified merchant advance solution based on banking data 

These tools help small businesses manage real-world cash flow challenges without leaving your ecosystem — and without turning to fintech competitors. 

What's in Autobooks Pro?

A complete business management suite embedded in digital banking 

Pro includes all the features of Basic and Plus, and adds deeper business functionality: 

• Integrated accounting tools with expense tracking, categorization, and profit-and-loss dashboards, and financial reporting 

• A dedicated “Manage My Business” dashboard 

• Optional bill pay integration to manage both receivables and payables 

With Autobooks Pro, business owners can not only bank with you - but run their business with you too. 

How does Smart Checking move from tools to transformation?

Autobooks packages are designed to expand your institution’s digital capabilities for small businesses. But we also recognize that the traditional business checking account hasn’t evolved in years. Most still offer the same basic benefits: a debit card, e-statements, and mobile banking. 

What if your business account could offer more? 

Smart Checking from Autobooks takes the next step. It redefines the business checking experience to better meet the expectations of today’s small business owner. Instead of charging for account tiers based upon an outdated value prop, Smart Checking adds modern value to your business checking offering — turning your checking account into a full-featured financial command center. 

What does Autobooks Smart Checking include?

Smart Checking is a business account that works for the business owner. It builds on the foundation of traditional checking, but layers in tools that help small business customers monitor performance and make smarter financial decisions. 

Here’s what it includes: 

• Business checking provided by your financial institution 

• Manage My Business dashboard integrated into digital banking 

• Embedded accounting tools, available right from the checking account 

• Real-time profit and loss performance dashboards 

• Automated transaction categorization for accounting purposes 

• Access to working capital through Autobooks Capital 

For the financial institution, Smart Checking creates a product worth paying for. It builds loyalty, strengthens digital engagement, and makes the business relationship much harder to displace. 

How do banks compete on more than just rate?

Fintech challengers are acquiring small business relationships at scale, not by underpricing traditional institutions, but by delivering more value in a seamless, user-friendly way. With Autobooks packages and Smart Checking, your institution can deliver the same level of functionality — and do it within a relationship that customers already trust. 

Whether you're looking to grow small business deposits, monetize digital features, or simply offer a more competitive product, Autobooks can help you get there. 

Frequently asked questions

What is Autobooks Basic?

A no-cost entry tier that includes advanced digital invoicing, payment acceptance, Payment Link with recurring payments, branded checkout pages, QR code support, and revenue share when Autobooks processes the payment. It's the fastest way to put a modern receivables experience inside digital banking.

What does Autobooks Plus add?

Plus layers on real-time payment settlement, in-person acceptance with Tap to Pay on iPhone, and Autobooks Capital — a pre-qualified merchant advance solution built from banking data. It addresses cash flow challenges without the business owner leaving the institution.

What does Autobooks Pro include?

Pro adds integrated accounting, expense tracking and categorization, a profit-and-loss dashboard, a dedicated 'Manage My Business' view, and optional bill pay integration. The business can now run inside digital banking, not just bank there.

What is Smart Checking?

Smart Checking is a modern business checking experience — the bank's account, with an embedded dashboard, accounting tools, P&L performance view, automated categorization, and access to working capital through Autobooks Capital. It creates a product worth paying for.

How do these packages help institutions compete?

They deliver the packaged, seamless experience that has been winning small business relationships — but inside the trusted primary institution relationship, not outside of it.