01
Accounts that behave like ledgers
Every sub-account has its own balance, its own rules, and its own audit trail, so you won't need a spreadsheet to keep track of them.
One ledger
Cash you can actually see
Live balance, categorised spend and the last five movements. It's the same view your board gets, without a monthly export.
Net cash position
Thousands of USD · rolling 12 months · Jul 2026
19 moRunway at current burn
$186kNet burn, July
+9.1%Position vs June
Where it went
July · thousands of USD
Last movements
Payroll — 34 people−128,400.00Today, 09:02
Stripe payout+341,982.15Today, 06:41
AWS — eu-west-1−18,204.66Yesterday
Hoyt & Marsh LLP−9,500.00Yesterday
Interest, treasury+4,118.7326 Jul
Yield is shown net of fees and isn't a forecast. Keel is a financial technology company, and banking services are provided by its partner banks, Members FDIC. Nothing on this page is financial advice.
Why Keel
Built for the person who signs
We made three decisions so your bank account can work as a treasury function.
02
Treasury that moves at 04:00
Idle balance sweeps into T-bills nightly and comes back before your first payment run. You set a floor, and the sweep never takes your balance below it.
03
Approvals with actual teeth
Keel enforces payment policies at the rail. A payment outside policy won't go out, even when a founder sends it.
Operating rhythm
From Monday cash check to Friday close
Keel handles the daily work around your balance: knowing what's safe to spend, approving what goes out, and giving the board a ledger that reconciles.
Know the floor before the first payment
Keel combines runway, upcoming payroll, committed bills and the treasury floor into one available-to-spend figure, so you don't have to rebuild a spreadsheet to find it.
Route every approval by policy
The amount, entity, counterparty and payment rail decide who approves. Reviewers see the evidence with the request, and nobody can skip a missing approval.
Close with the ledger already reconciled
Every movement keeps its receipt, owner and account code. Exceptions stay flagged, and cleared items export straight to your accounting system.
4 min median support reply
Same day entity verification review
CSV + API ledger export
Security
We keep security boring on purpose.
- SOC 2 Type IIAudited annually by a Big Four firm; report available under NDA.
- Swept FDIC coverBalances distributed across partner banks for $5M of coverage.
- Hardware keys onlySign-in needs a hardware key. There's no SMS fallback or recovery question, and founders don't get an exception.
- Payment policy at the railKeel checks payment limits before an instruction leaves your account.
Move your banking once.
Onboarding takes about 20 minutes · No minimum balance