Earn up to 3.35% APY2.  No account fees. No minimum balances.

Smarter money automations made for real estate

Make every dollar work harder, so you don’t have to.

Trusted by 50,000+ Real Estate Investors

Monthly
Annual

Core

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Get started
$0/month

Powerful banking and bookkeeping essentials

Key Features
  • Unlimited checking & savings accounts that earn up to 3.35% APY2
  • Physical & virtual debit cards with spend controls
  • FDIC insurance up to $3M1 via Thread Bank
  • Property-level income & expense tracking
  • Accountant tax package & Schedule E reports
  • Automated rent, reminders & late fees
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Smart

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START 30-DAY TRIAL
$20/month Billed annually

Advanced automations for hands-free finances

All Core features, plus:
  • Advanced auto-tag rules based on recipient, amount, or account
  • AI auto-transaction tagging to properties & Schedule E categories
  • AI auto-receipt matching & storage
  • Automated transfers for low account balances
  • Custom expense categoriescoming soon
  • Fast rent deposits in 2 business days
  • Shared access & role-based controls
  • VIP priority support
Compare all features

Baselane is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Baselane Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.1

Trusted by 50,000+ real estate investors

Caroline

"I've been using Baselane for about a year now, and it’s been a game-changer. It’s incredibly convenient to have everything all in one place, rather than juggling multiple platforms. Also luv that they listen to my feedback."

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4 Rentals
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B.C.

"Baselane is very user-friendly-tenants love it, my accountant loves it, and it's great for organizing finances. It's a one-stop solution for rental banking."

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10 Rentals
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AJ

“As a real estate investor managing my own properties, Baselane has been an invaluable tool. You can instantly open business checking and savings accounts with unlimited virtual accounts and cards.”

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3 Rentals
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Jamie

“I self-manage my properties and run a real estate-based service business. I'm able to do bookkeeping for both using Baselane. I use Baselane to track my business income and expenses, and it saves me countless hours each month.”

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5 Rentals
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Compare Features

Core

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Core

Smart

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Banking

Unlimited property-specific accounts

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Checking and savings accounts for multiple properties, security deposits & entity types

Up to 3.35% APY2

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60x the national average APY on savings accounts

Visa® physical & virtual debit cards

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Add to Apple Pay & Google Pay wallets with Visa® Zero Liability Protection

Custom spend limits & card locks

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Set weekly or monthly spend limits & locks cards for safety

QuickBooks Online & Xero integrations

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Connect accounting software to auto-sync transactions

Scheduled payments & transfers

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Send one-time or recurring payments & transfers via ACH, wire, or mailed check

Auto-balance transfers

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Automated transfers for low account balances

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Bookkeeping & Reporting

Consolidated transaction ledger

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Sync external accounts, upload receipts, assign & split transactions by property

Real-time financial reports

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View and export net cash flow, NOI, rent roll, tenant ledger, total inflows & outflows by property

Accountant tax package

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Complete transaction ledger, income statements, captured receipts & Schedule E report

Advanced tagging rules

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Auto-tag transactions based on vendor, amount, or account

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AI auto-tag assistant

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Baselane’s AI automatically categorizes transactions

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AI auto-receipt matching

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Baselane’s AI automatically matches uploaded receipts to transactions

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Custom categories coming soon

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Create custom income & expense categories

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Rent Collection

Automated invoices & reminders

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Send automatic rent invoices, reminders & late fees for online payments via ACH or card

Tenant portal & auto-pay

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Dedicated dashboard to pay rent, set up auto-pay & track payments

Split rent payments

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Receive rent in full while tenants pay installments (via Livble)

$30+ / monthpaid by tenant

$30+ / monthpaid by tenant

Tenant ledger & rent roll

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View reports for payment and lease details by property or unit

Tenant rent reporting

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Automatically report on-time rent payments to credit bureaus

$5 / monthpaid by tenant

$5 / monthpaid by tenant

2-day rent deposits

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Receive rent deposits in two business days instead of five

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Tenant & Lease Management

Lease upload & storage

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Upload and store unlimited pre-signed leases

State-specific leases

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Create & e-sign lease agreements with state-specific requirements

$10per lease

$10per lease

Lease e-signing

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Upload & send digital leases for electronic signature collection

$5per e-sign

$5per e-sign

Tenant screening report

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Rental application, ID verification & credit report

$24.99paid by tenant

$24.99paid by tenant

Criminal report

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Checks 1.8 billion records across national & local databases

$5paid by tenant

$5paid by tenant

Eviction report

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Eviction history from the largest U.S. housing court record database

$10paid by tenant

$10paid by tenant

Income verification

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Verify bank, payroll & payment documents

$10paid by tenant

$10paid by tenant

Service & Support

Multichannel support

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Contact support via email, chat or phone

Priority support

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Skip the line for fast, dedicated support

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Shared access

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Share limited or full access with team members

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Account opening
$0
Monthly account maintenance
$0
Minimum balance
$0
Inactive account
$0
Return & overdraft payment​
$0
ACH transfer
$0
Mailed check
$2
Checkbook
$15
Wire transfer
$15
waived for $50,000+ balance
ACH rent payment
into external account
$2
waived for Baselane deposits
Card rent payment
3.49%
charged to tenant
 
 

FAQs

Yes — Baselane is free to sign up and use Core features for rent collection, banking, bookkeeping, and reporting. You can open unlimited checking and savings accounts, with no minimum balance requirements or monthly maintenance fees.

Baselane Core subscription fee is free. Baselane checking accounts, offered via Thread Bank, Member FDIC, may have transaction or service fees as indicated in the Deposit Agreement.

‍Baselane Smart includes a 30-day free trial for advanced automations that eliminate repetitive financial tasks like tagging transactions, matching receipts, and transferring funds. Plus, it includes premium upgrades for accelerated rent payments, priority support, and shared access.

Baselane Core includes essential tools for managing rental property banking, bookkeeping, and rent collection — with no monthly fees.

Baselane Smart includes everything in Core, plus advanced automations and premium upgrades for hands-free finances:

  • Auto-tag assistant: Baselane’s AI automatically categorizes every transaction the moment it comes in.
  • Advanced tagging rules: Set smart rules that auto-tag your transactions based on recipient, amount, or account.
  • Auto-receipt match: Upload receipts and Baselane’s AI auto-matches them to the right transactions.
  • Minimum balance transfers: Automatically top up accounts when the
  • balance drops below your set limit.
  • 2-day rent: Get your rent deposited in 2 business days instead of 5.
  • Shared access: Give your team full or limited access for help running your rentals.‍
  • Priority support: Skip the line and get fast, dedicated support whenever you need it.

Checkbooks cost $15. Users can send a mailed check online for $2. Outbound domestic wire transfers incur a $15 fee per transfer, which is waived if your Baselane accounts have a combined balance of $50,000 or more at the time the wire is initiated.

Rent paid via ACH incurs a $2 fee. Landlords can cover this fee or pass it on to the tenant.

Tenants paying rent using a debit card or credit card are responsible for paying the 3.49% convenience charge.

Baselane does not charge fees for returned payments. Your external bank may charge a return fee.

‍There are no penalties for inactive accounts and you’re never charged for simply having a checking or savings account.

© 2025, Skylight Financial Services Inc. (Baselane). All Rights Reserved.

Baselane is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Baselane Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

1Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass-through insurance coverage is subject to conditions.

2The Annual Percentage Yield (APY) on your Savings Account is accurate as of 6/1/2025. Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Total balances less than $10,000 earn up to 1.56% APY for Savings Accounts. Total balances between $10,000 and $24,999 earn up to 2.35% APY for Savings Accounts. Total Balances between $25,000 and $49,999 earn up to 2.72% APY for Savings Accounts. Total balances of $50,000 or more earn 3.35% APY for Savings Account. Rates are variable and are subject to change after account opening. An APY bonus is applied to accounts that collect rent via Baselane banking within the prior calendar month.

4Some states require an interest-bearing escrow account for security deposits while some don’t require interest. User is responsible to check state laws along with rules for collecting and reimbursing a refundable security deposit. A brief overview of security deposit laws for escrow accounts in all 50 states can be found here.

6 Only new Baselane banking customers are eligible to receive the bonus. To receive the bonus, you must deposit $500 into your Baselane Business Deposit account and maintain this balance for 30 days before 12/31/2025. Once you have met this requirement, the $100 bonus will be paid out within 30 days. See terms for details.

*All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.