--- title: "Banking for Property Managers | High-Yield Accounts, Automation & PMS Sync | Topkey" description: "Topkey banking is built for vacation rental operators—open FDIC-insured accounts, manage cash flow, and connect banking with your financial tools for smarter, automated operations. Banking services provided by Thread Bank; Member FDIC." canonical: "https://topkey.io/banking" language: "en" --- # Centralized platform, streamlined business. Topkey's comprehensive platform is built for property managers. Open an account[\*](#general-disclosure) in minutes, and earn up to 2.97% in Annual Percentage Yield (APY)[¹](#apy-disclosure). Our integrated solution ensures it's possible to manage expenses, spending, workflows, and more, without sacrificing control or security. [Book a demo](https://topkey.io/demo) ## Take back your time with Topkey. Topkey provides property managers access to a full suite of banking solutions to help you manage money smarter, without having to work harder. Earn up to 2.97%  APY[¹](#apy-disclosure) Earn up to 2.97% in annual percentage yield (APY)[¹](#apy-disclosure) for funds on deposit\* through Thread Bank, Member FDIC. ### Easy payments. Accept payments via ACH transfer or wires, external banks, or third-party processors. ### Intelligent analytics. See all of your banking data in one dashboard so you can save, set goals, and plan for the future. ### Seamless integrations. Integrate directly with your accounting and PMS software, so reconciliation is easier and faster. ### Safe and secure. Protect your financial data with enterprise-grade encryption and multi-layer security, including MFA. ## Stay accountable. Tailor-made for property managers, Topkey makes managing finances effortless and keeps you organized. With the ability to use multiple accounts, you can be sure income is allocated appropriately while accounts are kept separate. ## Benefits that help business boom. Bank with Topkey and enjoy a suite of benefits designed to enhance your operations, including: Unlimited business checking and high-yield owner deposit accounts[\*](#general-disclosure). A maximum of $3.0M of FDIC insurance available for funds on deposit[\*](#general-disclosure) through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions[\*\*.](#fdic-disclosure) Earn up to 2.97% APY[¹](#apy-disclosure) available for funds on deposit[\*](#general-disclosure) through Thread Bank, Member FDIC. No monthly balance, monthly maintenance, or overdraft fees. ## Better business for property managers. ## Disclosures \*Topkey is a financial technology company and is not an FDIC-insured bank. Banking services provided by Thread Bank, Member FDIC. FDIC Insurance available for funds on deposit through Thread Bank, Member FDIC. FDIC deposit insurance covers the failure of an insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. The Topkey 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. The Topkey Visa charge 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. Accounts are eligible for pass-through deposit insurance only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. There may be a risk that pass-through deposit insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail. \*\*Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when Thread Bank places them at program banks in its 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 on the sweep program. Pass-through insurance coverage is subject to conditions. 1 | The interest rate on the High Yield Deposit Account will be 2.93% with an Annual Percentage Yield (APY) of 2.97%. The interest rate on the Regular Deposit Account will be 1.52% with an Annual Percentage Yield (APY) of 1.53%. These rates are effective as of 9/17/26. These are variable rates and are subject to change after the accounts are opened based on the Federal Funds Rate. Minimum opening deposit and average balance requirements may apply. Fees could affect earnings on the account. Topkey does not provide tax, legal, or accounting services. All information on this site is for educational purposes only.