Overview
Commercial Banking by Tach USA
Business banking built for truckers
Most banks don’t understand trucking. Irregular deposits, fuel expenses on the road, and weekly driver pay don’t fit neatly into a traditional business account, and many owner-operators end up mixing personal and business money just to keep things running.
Through our banking partner, MyFactor offers a business account designed around how carriers actually operate. Your factoring funds deposit straight into your account, and you can manage spending, pay bills, and track cash flow from your phone wherever the road takes you.
Because your account connects with MyFactor factoring, MyFactor Wallet, and the MyFactor Fuel Card, your money moves between them without delays or extra transfers. One team, one set of tools, built for the trucking business.
- $0Monthly maintenance fees
- 24/7Online and mobile banking
- 1 accountConnected to your factoring
- 1 dayResponse on new applications
Financial support
Banking
A bank account for every truck
A dedicated business account and commercial card per truck, so every unit has its own books from the day it is added rather than one pooled balance you have to unpick later.
Business account and commercial cards
Budgeting
Deposits that allocate themselves
Money landing in the account is split automatically across fuel, maintenance, insurance and reserves, so what a truck earns and what it costs are separated without anyone doing bookkeeping at the end of the week.
Auto Budget — patent pending
Capital
Advances against revenue you have already earned
Same-day cash and fuel advances released against your factored invoices, instead of borrowing against the next load or waiting out a slow payer.
Provided by TACH
Operational support
Roadside
24/7 roadside assistance
Nationwide emergency dispatch from inside the app, aimed at getting a truck moving again in hours rather than leaving it sitting for days.
Network: Cox Fleet
Rentals
Replacement trucks with no deposit
Rental power booked through TACH when a truck goes down, so a breakdown costs you the repair rather than the delivery window and the return load as well.
Network: Penske and Ryder
Maintenance
Member pricing on tires and servicing
Fleet-rate pricing on tires and preventive maintenance, so the scheduled work that keeps a truck road-ready is not the thing that gets postponed when cash is tight.
Network: Bridgestone
What it adds up to
What TACH membership is worth
- 5–10%More per mile for TACH Certified Carriers, with priority access to premium freight
- Up to $100Saved per tire, across more than 3,500 locations
- Up to $10,000Off rental deposits when a truck goes down
- Up to 10%Lower APR on repair capital than a credit card
A year with TACH, against a year without
- With TACH
- $236,250
- Without
- $185,000
- Difference
- $51,250
TACH’s comparison, on a stated baseline of 38 operating weeks a year. Your own figure moves with the weeks you run.
Figures from TACH.
How it connects
- Factoring advance
- Business account
- Fuel card, Wallet or bill pay
Your factoring funds land in the same place you pay from.