North One vs. Sila Comparison


North One	Sila	+	+
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About Business banking made for America. Business builders asked for better banking. So we built North One. Open an account in minutes. Building your business, creating jobs and serving your community is what you do. It’s hard work. North One makes the hardest parts of running your business easy. Focus on the road ahead, we’ve got your back. North One is proudly built for small businesses, startups and freelancers across America. Make payments easily, keep tabs on your money and put your finances on autopilot through smart integrations with the tools you’re already using. North One was built to make managing money easy so you can focus on running your business. No more branches. No more lines. No more paperwork. Get complete access to your North One Account from your phone or computer, wherever your business takes you. Create Envelopes for taxes, payroll, rent, and anything else automatically.		About Sila is an end-to-end payment platform that provides Banking-as-a-Service through a developer-friendly payment API that is scalable and allows for fast and secure money transfers. Sila’s payment platform streamlines building and launching fintech apps and embedded payment products for financial products, fintech, crypto, and Web3. Sila’s offerings include Virtual Accounts, Digital Wallets, KYC/KYB, and ACH payments APIs for software teams. Additional functionality is available through a network of pre-approved and pre-integrated partners (to different degrees). Sila was recognized as the Best Payments as a Service Platform by the 2022 Embedded Banking Awards of Tearsheet. Sila is headquartered in Portland, Oregon.
Platforms Supported Windows Supported Mac Supported Linux Supported Cloud Supported On-Premises Not Supported iPhone Supported iPad Not Supported Android Supported Chromebook Supported		Platforms Supported Windows Not Supported Mac Not Supported Linux Not Supported Cloud Supported On-Premises Not Supported iPhone Not Supported iPad Not Supported Android Not Supported Chromebook Not Supported
Audience Businesses, startups and freelancers in search of a business bank account that provides small business spending account features and a mobile banking app		Audience Fintech , Crypto, Web3, embedded finance, banking-as-a-service
Support Phone Support Supported 24/7 Live Support Supported Online Supported		Support Phone Support Supported 24/7 Live Support Not Supported Online Supported
API Offers API Not Supported		API Offers API Supported
Screenshots and Videos View more images or videos		Screenshots and Videos View more images or videos
Pricing Free No additional fees for: - ACH Payments - Deposits - Transfers - Purchases - Envelopes - App Integrations There is a $15 fee for outgoing and incoming wires. Free Version Supported Free Trial Supported		Pricing Ask sales Free Version Supported Free Trial Not Supported
Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 5.0 / 5 design 5.0 / 5 support 5.0 / 5 Read all reviews		Reviews/Ratings Overall 5.0 / 5 ease 5.0 / 5 features 4.5 / 5 design 5.0 / 5 support 5.0 / 5 Read all reviews
Pros from Real Users Pros I cannot express how much I love this App. As a small business owner working in the trades industry there is just no better option. The best feature I love about this bank is that it offers accounting software integrations & built-in invoicing that is combined with normal business banking features!		Pros & Cons from Real Users Pros The basic features are there to use, and the complex features can be easily be implemented with their extensive documentation and onboarding support. 1. Organized and transparent onboarding and diligence process 2. API is well-documented and robust 3. The Sila team and the level of support and service they provide is the best we've seen in the space. 4. Sila acts and operates as a true partner Cons Complex scenarios can be tricky, so you need to involve onboarding support. When I find one I'll post it - the partnership has been incredibly positive.
Training Documentation Supported Webinars Supported Live Online Not Supported In Person Supported		Training Documentation Supported Webinars Supported Live Online Supported In Person Not Supported
Company Information North One Founded: 2017 United States get.northone.com/partners/sourceforge/		Company Information Sila Founded: 2018 United States silamoney.com
Alternatives Backbase		Alternatives Cybrid Cybrid Technology Inc.
Sila		Syncfy
Plaid		SiLAS SILAS
Alviere Hive Alviere		SILA Gustafsson Cyber Group Ltd
Kinective Bridge Kinective View All		Sila View All
Categories Banking Supported Budgeting Supported Business Bank Accounts Supported Finance Supported Financial Services Supported Mobile Banking Supported Online Banking Supported		Categories AML Supported B2B Payment Supported Banking Supported Banking as a Service (BaaS) Supported Billing and Invoicing Supported Business Bank Accounts Supported Compliance Supported Crypto APIs Supported Cryptocurrency Payment Supported Digital Banking Platforms Supported Digital Wallets Supported Embedded Finance Supported Embedded Payments Supported Finance Supported Financial Data APIs Supported Financial Reporting Supported Financial Services Supported Fraud Detection Supported Identity Verification Supported KYB (Know Your Business) Supported KYC Supported Mobile Banking Supported Money Transfer Supported Payment Gateways Supported Payment Orchestration Supported Payment Processing Supported
Banking Features ATM Management Supported Compliance Tracking Not Supported Corporate Banking Supported Credit Card Management Not Supported Credit Union Not Supported Investment Banking Not Supported Multi-Branch Not Supported Online Banking Supported Private Banking Not Supported Retail Banking Not Supported Risk Management Not Supported Securities Management Not Supported Transaction Monitoring Not Supported Business Bank Accounts Features Bank Wires Supported Bill Pay Supported Billing & Invoicing Supported Business Credit Cards Not Supported Checking Account Supported Checks Supported Expense Management Supported Instant Payouts Supported No Fee Payments Supported Rewards Not Supported Savings Account Not Supported Spend Management Supported Mobile Banking Features Bill Payment Supported Biometric Supported Cash Management Supported Chat / Messaging Supported Cross Selling Functionality Supported Digital Wallet Supported P2P Payments Not Supported Remote Deposit Supported SMS Banking Supported Transaction Monitoring Supported Voice Banking Not Supported Show More Features Online Banking Features Brokerage Not Supported Cash Management Supported Chat / Messaging Supported Credit Card Management Not Supported Electronic Statements Supported Fraud Detection Supported Loan Management Supported Marketing Automation Not Supported Retail Banking Not Supported Single Sign On Supported Transaction Monitoring Supported		Banking Features ATM Management Not Supported Compliance Tracking Supported Corporate Banking Not Supported Credit Card Management Not Supported Credit Union Not Supported Investment Banking Not Supported Multi-Branch Not Supported Online Banking Supported Private Banking Not Supported Retail Banking Not Supported Risk Management Supported Securities Management Not Supported Transaction Monitoring Supported Business Bank Accounts Features Bank Wires Not Supported Bill Pay Supported Billing & Invoicing Supported Business Credit Cards Not Supported Checking Account Supported Checks Not Supported Expense Management Not Supported Instant Payouts Supported No Fee Payments Not Supported Rewards Not Supported Savings Account Not Supported Spend Management Not Supported Financial Services Features Analytics Not Supported Branch Optimization Not Supported Channel Management Not Supported Compliance Management Not Supported Customer Engagement Not Supported Performance Management Not Supported Risk Management Supported Mobile Banking Features Bill Payment Supported Biometric Not Supported Cash Management Not Supported Chat / Messaging Not Supported Cross Selling Functionality Not Supported Digital Wallet Supported P2P Payments Supported Remote Deposit Supported SMS Banking Supported Transaction Monitoring Supported Voice Banking Not Supported Show More Features AML Features Behavioral Analytics Supported Case Management Not Supported Compliance Reporting Supported Identity Verification Supported Investigation Management Not Supported PEP Screening Not Supported Risk Assessment Supported SARs Supported Transaction Monitoring Supported Watch List Supported Billing and Invoicing Features Billing Portal Not Supported Contact Database Not Supported Contingency Billing Not Supported Customer Portal Not Supported Customizable Invoices Not Supported Dunning Management Not Supported Hourly Billing Not Supported Invoice History Not Supported Mobile Payments Supported Multi-Currency Not Supported Online Invoicing Not Supported Online Payments Supported Payment Processing Supported Project Billing Not Supported Recurring/Subscription Billing Supported Service Ticket Billing Not Supported Tax Calculator Not Supported Compliance Features Archiving & Retention Not Supported Artificial Intelligence (AI) Not Supported Audit Management Supported Compliance Tracking Not Supported Controls Testing Not Supported Environmental Compliance Not Supported FDA Compliance Not Supported HIPAA Compliance Not Supported Incident Management Not Supported ISO Compliance Not Supported OSHA Compliance Not Supported Risk Management Supported Sarbanes-Oxley Compliance Not Supported Surveys & Feedback Not Supported Version Control Not Supported Workflow / Process Automation Supported Financial Reporting Features "What If" Scenarios Not Supported Audit Trail Not Supported Balance Sheet Not Supported Cash Management Not Supported Consolidation / Roll-Up Not Supported Forecasting Not Supported General Ledger Supported Income Statements Not Supported Multi-Company Not Supported Multi-Department / Project Not Supported Profit / Loss Statement Not Supported Fraud Detection Features Access Security Management Not Supported Check Fraud Monitoring Not Supported Custom Fraud Parameters Supported For Banking Supported For Crypto Supported For eCommerce Supported For Insurance Industry Supported Internal Fraud Monitoring Supported Investigator Notes Not Supported Pattern Recognition Supported Transaction Approval Supported Payment Gateways Features ACH / eCheck support Supported Buyer Authentication Supported Credit / Debit Support Supported Customer Information Storage Supported Fraud Prevention Supported Invoicing Supported Multi-Currency Not Supported PCI Compliance Supported Point-of-Sale (POS) Supported Recurring Billing / Subscriptions Supported Reporting / Analytics Supported Payment Processing Features ACH Check Transactions Supported Bitcoin Compatible Supported Debit Card Support Supported Gift Card Management Not Supported Mobile Payments Supported Online Payments Supported POS Transactions Supported Receipt Printing Not Supported Recurring Billing Supported Signature Capture Not Supported
Integrations Argyle Not Supported Checkout.com Not Supported Codat Not Supported Ethereum Not Supported Etsy Supported Finicity Not Supported Gusto Supported Lithic Not Supported Maqetta Not Supported PayPal Supported Pinwheel Not Supported Plaid Not Supported QuickBooks Online Supported Socure Not Supported Stripe Supported TransUnion TruValidate Not Supported Unit21 Not Supported Vesta Not Supported Yodlee Not Supported Show More Integrations View All 11 Integrations		Integrations Argyle Supported Checkout.com Supported Codat Supported Ethereum Supported Etsy Not Supported Finicity Supported Gusto Not Supported Lithic Supported Maqetta Supported PayPal Not Supported Pinwheel Supported Plaid Supported QuickBooks Online Not Supported Socure Supported Stripe Not Supported TransUnion TruValidate Supported Unit21 Supported Vesta Supported Yodlee Supported Show More Integrations View All 29 Integrations
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