Now inviting early access

Supercharge your online banking. Keep your bank.

A business operating layer on top of your existing bank accounts and cards. Get cash visibility, instant payments, AP approval workflows, expense management - all in one place. No migration and no new account.

Read-only by default. Bank-grade security. You stay in control of every payment.
Banks & cards synced
Auto-categorized
app.overlay.finance

Balances & cards · 3 banks · 1 card

Chase
$612,400
▲ 2.4%
BofA
$318,220
▲ 1.1%
U.S. Bank
$354,310
▲ 0.8%
Amex ••3007
$23,540
spent / mo

Recent transactions · enriched

Merchant Account Category Date Amount
Northwind Supply Co.
PO #4471 · 14 line items · Net-30
Chase ••4821
Inventory
May 18
−$8,240.00✓ Matched
Stripe Payout
Batch SP-22910 · 312 charges settled
BofA ••9067
Revenue
May 17
+$14,905.30✓ Reconciled
Atlas Logistics
Freight invoice · 2 shipments · tax $214
Amex ••3007
Freight
May 16
−$3,915.50⚠ Needs receipt
Cash flow projection · 30 days
Projected: $1.46M 90% confidence
Today+15 days+30 days

Works across the banks and cards you already use

Chase Bank of America Wells Fargo U.S. Bank Capital One Visa Mastercard Amex Regional banks & credit unions
The problem

Still managing your business across multiple bank and card portals?

Logging into different bank and card accounts just to track cash and make payments is slow and messy. Every portal looks different, nothing talks to each other, and there's no single view of where the money actually is.

Overlay brings your banking and card activity into one modern operating layer built for SMBs — without asking you to move a dollar.

Chase — Business Login
🔒 Separate login · separate everything
Bank of America — Sign in
🔒 Different layout · no shared data
Wells Fargo — Online Banking
🔒 Another tab · another password
What you get

One operating layer. All your banks and cards.

Most SMBs don't want a new bank — they want a better way to operate. Do more with the banks and cards you already use.

Multi-bank & card visibility

See balances, spend, inflows, and runway across every account and card in real time — without logging into a single portal.

AP, approvals & instant payments

Route invoices, set approval rules, and release funds in real time — including instant global payments — with full control over who can pay what, and when.

Cash flow in one view

Know what's coming in, what's going out, and what you can safely spend — all in one forward-looking layer.

Bank- and card-agnostic by design

Overlay sits on top of Chase, Bank of America, Wells Fargo, U.S. Bank, Capital One, regional banks, and your credit and debit cards alike. Keep your loans, your treasury relationships, and your rates. Just upgrade the experience around them.

Client portfolio12 active
RV
Riverside Dental3 accounts
$214kcash
MP
Maple & Co. Retail2 accounts
$88kcash
BX
Brixton Builders4 accounts
$502kcash
NL
Northline Cafe Group2 accounts
$41kcash
For accountants & bookkeepers

A better banking layer for firms managing client finances

Accountants and bookkeepers shouldn't have to jump between bank and card portals to manage client cash flow and payments. Overlay gives your firm one place to operate across every client's bank accounts and cards.

Switch between clients in a click. Standardize approvals across the book. Close faster — without a single banking migration.

Request a firm preview

Know what you can spend. Control what you pay. Keep your bank.

The control of modern banking, without switching banks Your business bank account, upgraded A cash-flow command center
Who it's for

Built for businesses that don't want to switch.

You don't need a new bank to get a better operating experience. Overlay works for businesses that simply want better payables and cash-flow control.

Businesses that love their current bank and don't want to give up the relationship or the rates.

Businesses with loans or treasury relationships that can't simply be picked up and moved.

Multi-bank businesses using Chase, Bank of America, Wells Fargo, U.S. Bank, Capital One, or regional banks.

Businesses whose accountants don't want to run a banking migration just to get organized.

Early access

Turn your existing bank account into a cash-flow command center.

The smarter way to manage business cash without opening a new account. Join the early access list and we'll reach out when your spot opens.

No commitment. We'll only use your email to follow up about Overlay.