Embedded Business Banking:
Netevia And Sutton Bank
Bank With Sutton Bank. Process With Surcharge Pros. Run Payroll With Nexroll. Get Your Money The Same Day You Earn It.
Each Piece Works Alone. Stacked, They Pay You Faster Than Any Bank In The Country.
Instant Credit Card Funding
Close Your Batch And The Money Is In Your Sutton Bank Account. Not In One To Two Business Days. Now.
Requires: Sutton Bank + Surcharge Pros
Instant Payroll
Fund On Friday, Your Crew Gets Paid On Friday. Stop Pre-Funding Payroll Out Of Revenue You Haven't Collected Yet.
Requires: Sutton Bank + Surcharge Pros + Nexroll
An Account That Pays You
1% Cash Back On Every Debit Purchase. 2% Annual Yield On Your Balance. Zero Monthly Fees.
Requires: Sutton Bank
Four Names. One Money Movement System.
Sutton Bank
Holds Your Deposits, Issues Your Cards, Carries The FDIC Insurance. A Chartered Bank, Not An App With A Bank Logo On It.
Netevia
Connects Sutton Bank's Charter To Your Business: The Account Itself, Instant Card Issuing, ACH In And Out, And A Real-Time Ledger.
Surcharge Pros
Powered By Netevia. Every Card Your Customer Runs Flows Through The Same System That Holds Your Money.
Nexroll
Embedded Payroll Drawing From The Same Account, On The Same Day The Money Lands.
Most Businesses Run Four Vendors That Don't Talk To Each Other. That Gap Between Them Is Where Your Float Lives.
What Traditional Business Banking Costs You
Monthly Maintenance Fees
$15 To $35 Every Month To Hold Your Own Money, With Nothing In Return.
One To Two Day Settlement
Your Revenue Sits In Limbo For One To Two Business Days While Your Suppliers, Your Fuel, And Your Crew Don't Wait.
Zero Yield On Balances
Your Working Capital Earns Nothing While The Bank Lends It Out At A Profit.
Minimum Balance Traps
Fall Below The Threshold And Get Penalized For It — Right When You Can Least Afford It.
Sutton Bank Through Netevia Removes All Four.
It Pays You To Keep Your Money Here.
Unlimited Cash Back
Earned On Every Debit Card Purchase. No Categories, No Caps, No Quarterly Activations To Remember.
Annual Yield
Paid Out Monthly On Balances Up To $250,000.
Fees
No Monthly Fee. No Overdraft Fee. No Minimum Balance Fee.
All Of It Automatic. No Opt-In, No Rewards Portal, No Fine Print.
Stop Waiting One To Two Days For Your Own Money.
Close Your Batch
Finish The Day's Processing Through Surcharge Pros, The Same As Always.
Funds Post Immediately
Revenue Lands In Your Sutton Bank Account. No Settlement Window, No Pending Status.
Put It To Work
Pay Suppliers, Restock The Truck, Cover Payroll — The Same Day The Job Closed.
Instant Funding Works Because The Processor And The Bank Are One System. Bank At Sutton Bank, Process With Surcharge Pros Powered By Netevia, And The Money Never Has To Travel Anywhere To Reach You.
Fund Friday. Paid Friday.
The Last Job Of The Week Pays The Crew For The Week.
Friday's Jobs Close Out
The Week's Work Is Done And Invoiced.
Batch Settles
Card Revenue Runs Through Surcharge Pros.
Funds Post Instantly
Money Lands In The Sutton Bank Account.
Nexroll Draws
Payroll Pulls From That Same Account, Same Day.
Crew Gets Paid Friday
Direct Deposit Hits Before The Weekend.
The Way It Works Everywhere Else: Standard Payroll ACH Needs Two To Four Days Of Lead Time. That Means Funding Tuesday For A Friday Check — Out Of Revenue You Haven't Collected Yet, On Jobs That Haven't Even Closed.
Sutton Bank For The Deposits, Surcharge Pros Powered By Netevia For The Processing, Nexroll For The Payroll. All Three Together Are What Collapse The Payroll Float To Zero.
For A Contractor Running Six Trucks, That's A Full Payroll Cycle You're No Longer Financing Out Of Pocket.
Issue A Card In Seconds. Move Money Without A Middleman.
Cards
- Instant Virtual Cards. Spin Up A Single-Use Vendor Card With A Set Spending Limit Before Your Tech Reaches The Supply House.
- Physical Cards Issued By Sutton Bank. For The Owner, The Office, And Every Truck.
- Custom Limits Per Card. Control What Gets Spent, Where, And By Whom.
ACH And Access
- Native ACH In And Out. No Third-Party Origination, No Extra Vendor, No Extra Fee.
- Link Your Existing Bank. Move Money Between Accounts Without Leaving The Dashboard.
- 40,000+ Fee-Free ATMs. Nationwide On The MoneyPass Network.
The Rest Of It, Already Handled.
Cash Flow Dashboards
Real-Time View Of Exactly What Came In And What Went Out.
Account Transfers
Link Outside Accounts And Move Money Between Them Freely.
Business Loans
Custom Offers Repaid Automatically As A Percentage Of Daily Card Sales.
Employee Benefits
Early Wage Access And Early Tax Refund Advance, At No Cost To You.
What You Get That Your Current Bank Can't Offer.
- No Credit Check To Open. Approval Isn't Gated On Your Personal Score.
- FDIC-Insured To $250,000. Deposits Held At Sutton Bank, Member FDIC.
- Payments And Banking In One Place. One Login, One Ledger, One Phone Number To Call.
- Rebates On Travel And Fuel. At Hotels, Restaurants, And Gas Stations Nationwide.
Questions, Answered.
Who Actually Holds My Money?
Sutton Bank, A Chartered Financial Institution And Member FDIC. Your Deposits Are Eligible For FDIC Insurance Up To $250,000. Netevia Provides The Technology That Connects Sutton Bank's Charter To Your Business, And Surcharge Pros Is Your Processing Relationship.
Is Netevia A Bank?
No. Netevia Is A Financial Technology Company, Not A Bank. Banking Services And FDIC Insurance Are Provided By Sutton Bank, Member FDIC.
What If I Want To Keep Processing Where I Am?
You Can Still Open The Account And Earn The Cash Back, The Yield, And The Zero Fees. But Instant Funding Only Works When The Processing Runs Through Surcharge Pros Powered By Netevia — That Shared System Is What Removes The Settlement Delay.
How Fast Is "Instant," Really?
Funds Post To Your Sutton Bank Account As Soon As Your Batch Closes, And They're Available To Spend Immediately — No Pending Period, No Next-Business-Day Hold.
Do I Have To Use All Three — Banking, Processing, And Payroll?
No. Each One Stands On Its Own. Banking Alone Pays You Rewards. Banking Plus Processing Gets You Instant Funding. Adding Nexroll Payroll Is What Gets You Fund-Friday, Paid-Friday.
What Does It Cost?
The Account Has No Monthly Fee, No Overdraft Fee, And No Minimum Balance Requirement. Processing And Payroll Are Quoted Based On Your Volume — That's A Conversation, Not A Price List.
Your Money, The Day You Earn It.
Open The Account, Move Your Processing, And Stop Financing Your Own Revenue.
Banking Services Provided By Sutton Bank, Member FDIC. Surcharge Pros And Netevia Are Financial Technology Companies, Neither Is A Bank. FDIC Insurance Protects Eligible Deposits Up To $250,000 In The Event Of Bank Failure And Does Not Protect Against The Failure Of A Non-Bank Company. Cash Back, Yield, And Funding Timing Are Subject To Program Terms And Eligibility.