OWNER'S BANK（オーナーズバンク）

OWNER'S BANK is a banking service designed to reduce the burden on individual business owners and corporations involved in logistics and construction businesses.
Would you like to use OWNER'S BANK to manage your money smartly and create an environment where you can concentrate on your business?

<5 features to choose OWNER’S BANK>
◆Affordable fees unique to online banks
・No monthly usage fee or account maintenance fee.
・Transfer fee to other bank/ATM usage fee is 110 yen (tax included).
◆A debit card comes with opening an account.
- Just open an account and we will issue you a free debit card with no examination required and no annual fee.
・0.8% points will be returned in units of 1,000 yen based on the total monthly usage amount.
◆Transactions can be done with just one smartphone
・In addition to checking account balances and deposit/withdrawal details, most banking transactions can be completed with a single smartphone.
◆Funds required for business are automatically divided and managed
・Manage your money smartly by using purpose-specific accounts, fixed-amount automatic transfers, and fixed-amount automatic transfer services.
◆ Perfect security and smooth transactions
・Biometric authentication eliminates the need for troublesome password entry. Transactions are smooth and security is perfect.

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◆Main functions/services
① Opening an account
- If you are a sole proprietor, you can complete the account opening procedure in as little as 5 minutes, and if you are a corporation, you can complete the account opening procedure in as little as 10 minutes, and you can open an account on the same day or the next business day, respectively.
②Cash card with debit card
- Just by opening an account, you will be issued a free debit card with no examination required and no annual fee.
・Easy to manage as money is deducted from your account on the spot you use it, and you can rest assured that you will receive a notification when you use it.
- By replacing daily cash payments with debit cards, you can reduce ATM withdrawals and carrying around cash.
・The numberless design does not display card information, so there is no need to worry about your card information being intercepted. You can also easily check your card information on the app.
・There is a 0.8% point return in units of 1,000 yen depending on the total monthly usage amount, and the accumulated points can be exchanged for cash at 1 point = 1 yen.
③ “ATM with app” where you can deposit and withdraw money without needing a cash card
・Even if you don't have a cash card at hand, you can use the app to make deposits and withdrawals at Seven Bank ATMs and Lawson Bank ATMs nationwide (with some exceptions).
・ATM usage fee is 110 yen (tax included) regardless of usage time.
④Smartphone debit
・If you set up a debit card in your smartphone wallet, you can make touch payments by simply holding it over a terminal at a store with the Google Pay logo.
⑤Smart authentication NEO (biometric authentication service)
- Adopts FIDO authentication, which is more secure than authentication using passwords, etc.
- Speedy and safe transactions are possible as there is no need for a web transaction password or authentication number for each transaction.
・Even when you make a transaction using an app other than the smart authentication NEO registered app (computer, browser, other device app, etc.), you will need to approve the transaction on the smart authentication NEO registered device, which prevents fraudulent remittances, etc. It can be prevented.
⑥Purpose-specific accounts/Fixed amount automatic transfer
・You can create up to 10 purpose-specific accounts apart from the representative account and manage the funds needed for your business separately.
・Furthermore, by using fixed amount automatic transfer, you can automatically save money to a purpose-specific account.
・Once you set it up, you can easily manage your business funds.
⑦Fixed amount automatic transfer
- A service that allows you to automatically transfer money to a designated account on a designated date and amount.
・Once set up, you can easily make fixed monthly payments (transfers).
⑧Balance inquiry/deposit/withdrawal details
・You can check your balance immediately by logging in with biometric authentication. You can also check deposit and withdrawal details for up to 7 years.
⑨Real-time notification
-Receive transaction information such as deposits, transfers, account transfer schedules, etc. in real time.
・When using a debit card, you will receive a push notification.
⑩Transfer/Transfer/Comprehensive transfer
・No tokens are required, and you can easily transfer funds with just one app.
・The transfer fee to other banks is 110 yen (tax included).
⑪Yen deposit/Structured deposit
・You can make deposits into yen time deposits or apply for and deposit into structured deposits, which are popular for their favorable interest rates.
⑫Foreign currency deposit
- You can open a foreign currency deposit account, trade in foreign currency savings deposits that can be bought and sold in real time, and foreign currency time deposits with good interest rates.
・You can apply for foreign currency savings and change your savings settings starting from 500 yen.
⑬SBI Hybrid Deposit
・Yen deposits linked with SBI Securities are popular for their good interest rates and monthly interest payments.
・Money deposited into SBI Hybrid Deposit is automatically reflected in the purchasing power of the customer's SBI Securities account and can be used for securities transactions such as stocks, investment trusts, and bonds. In addition, the settlement proceeds associated with securities transactions will be automatically transferred between SBI Hybrid Deposit and SBI Securities Account on the settlement date (automatic sweep service).