Cash management
Treasury services built for F&B.
Effortlessly open FDIC insurance-eligible accounts, transfer funds, and earn cashback-rewards on your balances.
- No hidden fees or minimums.
- No minimum balances. No surprise charges.
- FDIC insurance-eligible.
- Funds held at Fifth Third Bank, member FDIC.
- Earn cash back.
- Up to 2.00% cash back based on your total Invoto account balance.
Mission control for your cashflow
Consolidated visibility and intuitive account management across your organization

- Multi-location accounts
- Create dedicated accounts for each location keeping cash flows organized without added complexity.
- Fast transfers
- Move money instantly between Invoto accounts or next-day to and from external banks.
- AI transaction coding
- Every transaction is automatically categorized using AI, so books stay clean and insights stay current.
- Fire-walled vendor accounts
- Isolate funds for vendor payments to ensure compliance without sacrificing control.
- Instant account setup
- Add new accounts in seconds—no waiting, no forms, no approvals.
- Role-based account access
- Assign permissions by role, location, or individual to keep oversight tight and operations simple.

Start saving in minutes.
Take control of your expenses and get rewarded for your spend. No credit card or personal credit check needed.
Get started