North One vs Helcim
North One is a good business banking features and tools with no monthly fees. How does it compare to Helcim? Read our comparison chart below.
North One offers business banking with built-in financial tools. You get unlimited sub-accounts, a bill pay feature, and app integrations.
While Helcim offers interchange-plus pricing for businesses of all sizes, with automatic discounts for larger processing volume. It has no contract and no monthly fees. Merchants get full access to all its payment tools with no add-on fees or usage limits.
Compare North One with Helcim, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
 |  | |
| Visit Site | Visit Site | |
North One | Helcim | |
|---|---|---|
North One Free Business Banking - Up to 2.50% APY - | Start Accepting Payments Fast - | |
Benefits and Features | ||
| Savings | No savings account, but you can create unlimited envelopes for savings goals | |
| Checking | $0 monthly fee; no balance requirements | |
| Monthly Fee | ||
| Equipment | $99 for Helcim Card Reader; $329 for Helcim Smart Terminal | |
| Cash Deposit Fee | up to $4.95; 1 refund/month (Standard members); 3 refunds/month (Plus members) | |
| Customer Service | Phone, email, and live chat: Monday - Sunday, 8 am - 10 pm EST. | Phone, email, or schedule callback |
| Fraud Prevention Tools |  | |
| Invoice Management | | |
| Recurring Billing | | |
CreditDonkey® Reviews | ||
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| Checking |   | |
| Fees | | |
| Mobile App | | |
| Customer Service | |  |
| Price | | |
| Equipment | | |
| Contract | | |
| Ecommerce | | |
| High Volume Business | | |
| Low Volume Business | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Good business banking features and tools with no monthly fees... | Excellent interchange-plus provider if you're looking for overall value and service... |
| Visit Site | Visit Site | |
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. North One: Information sourced from the published website as of 02/25/2025. | ||
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Business banking for teams
- Automatic invoice ingestion and payments
- Sales and revenue analytics
- Unlimited account envelopes
- Close to 100 integrations
- Over $5000 in perks for new customers
- No monthly fees, no application fees, no minimum balance
North One is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, Member FDIC.
North One Plus Business Banking - Up to 3.00% APY
- 3.00% APY on balances up to $250,000 for eligible customers
- Priority email/chat support
- Dedicated relationship manager
- Implementation and onboarding assistant
- $0 same-day ACH payments, bill payments, and physical checks
- Lowest transaction fees
- $50 minimum opening deposit
- $20 monthly fee
North One Free Business Banking - Up to 2.50% APY
- 2.50% APY on balances up to $250,000 for eligible customers
- Unlimited envelopes for all your business budgets
- Integrations with popular accounting and payment processing apps
- Automate your bill payments
- $50 minimum opening deposit
Helcim Card Reader for $109
- Tap & Pay
- Chip & PIN
- PIN Debit
- Email receipts
- Inventory and customer tracking
- Analytics & reporting
- Batch history
- Card on file
Helcim Pricing
| Monthly Volume | In-person Transactions | Online and Keyed Transactions |
|---|---|---|
| $0 - $50,000 | Interchange + 0.40% + 8¢ | Interchange + 0.50% + 25¢ |
| $50,001 - $100,000 | Interchange + 0.35% + 7¢ | Interchange + 0.45% + 20¢ |
| $100,001 - $500,000 | Interchange + 0.25% + 7¢ | Interchange + 0.35% + 20¢ |
| $500,001 - $1,000,000 | Interchange + 0.20% + 6¢ | Interchange + 0.25% + 15¢ |
| $1,000,001+ | Interchange + 0.15% + 6¢ | Interchange + 0.15% + 15¢ |
Which is Better: North One or Helcim?
Still need help deciding which business card is better? Read the in-depth reviews below. You may also be interested in comparing North One or Novo.
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