early access

Virtual debit cards tied directly to your operating account.

Virtual debit cards tied directly to your operating account.

Control operating spend without moving money into another system. Give team members access to the funds they need, set spending limits and keep the resulting transactions visible alongside the rest of your account activity.

Virtual debit cards are rolling out to eligible Advance customers. Availability may vary.

Virtual debit cards are rolling out to eligible Advance customers. Availability may vary.

The Advance Business Debit Card is issued by OMB Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Card shown for illustration.

The Advance Business Debit Card is issued by OMB Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Card shown for illustration.

The Advance Business Debit Card is issued by OMB Bank, Member FDIC, pursuant to a license from Mastercard International Incorporated. Card shown for illustration.

Virtual debit cards

Give people access without creating another pool of money to manage.

Card limits control how much someone can spend. They don't require you to move that amount into a separate account first.

Funds remain in the operating account until the card is used.

That gives finance and operations teams a simpler way to control spending without creating another set of balances to track.

Card controls

Set the controls your team needs.

Admins can create and manage virtual debit cards directly through Advance.

The controls stay with the people responsible for managing the account.

Assign and organize

Assign each card to a user and add a name or category.

Limits and expiration

Set daily or monthly spending limits and add an expiration date.

Freeze, cancel or report

Freeze or unfreeze a card, cancel it, or report it as compromised.

Visibility

Keep spending visible with the rest of the operation.

Card activity draws from the Advance operating account, so transactions remain connected to the account where the money is held.

Finance teams can see card spending alongside other account activity instead of piecing the record together across a separate card platform and bank account.

That creates a clearer view of what was spent, where it came from and how it fits into the broader financial operation.

How it works

From card creation to transaction, keep the process connected.

01
Create

Set up a virtual debit card and assign it to the appropriate user.

02
Control

Define spending limits and expiration dates based on how the card will be used.

03
Spend

The card draws from the operating account when a transaction occurs.

04
Monitor

Review activity and adjust, freeze or cancel the card when needed.

Virtual debit cards

Bring more of the financial operation into Advance.

Virtual debit cards extend the work teams can manage through the same platform used for accounts, payments, reconciliation and other financial workflows.

Fewer disconnected systems means less information to move between them and fewer places for finance teams to monitor.

See how virtual debit cards work in Advance.

Our demonstrated consistency in SOC 2 Type 2 reporting provides independent assurance that our control environment—spanning data storage, processing, and transfer—meets rigorous, independently audited benchmarks for security, availability, and confidentiality.

*. Advance is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC. Deposits in checking and savings accounts are held by OMB Bank and are eligible for FDIC insurance coverage. FDIC insurance covers the failure of an insured bank; pass-through insurance applies only if specific conditions are met. OMB Bank does not sponsor Advance's AI program. Fees, terms, and conditions may apply. Please review our Terms of Service and Privacy Policy. Contact us for questions about your privacy and consult a tax advisor for tax-related concerns. Annual Percentage Yield (APY) of up to 3% is available on eligible accounts and is accurate as of September 1, 2026. Actual APY may vary based on account type and balance. Lower APYs may apply if eligibility requirements are not met. Rates are variable and subject to change at any time. Fees may reduce earnings.

Our demonstrated consistency in SOC 2 Type 2 reporting provides independent assurance that our control environment—spanning data storage, processing, and transfer—meets rigorous, independently audited benchmarks for security, availability, and confidentiality.

*. Advance is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC. Deposits in checking and savings accounts are held by OMB Bank and are eligible for FDIC insurance coverage. FDIC insurance covers the failure of an insured bank; pass-through insurance applies only if specific conditions are met. OMB Bank does not sponsor Advance's AI program. Fees, terms, and conditions may apply. Please review our Terms of Service and Privacy Policy. Contact us for questions about your privacy and consult a tax advisor for tax-related concerns. Annual Percentage Yield (APY) of up to 3% is available on eligible accounts and is accurate as of September 1, 2026. Actual APY may vary based on account type and balance. Lower APYs may apply if eligibility requirements are not met. Rates are variable and subject to change at any time. Fees may reduce earnings.

Our demonstrated consistency in SOC 2 Type 2 reporting provides independent assurance that our control environment—spanning data storage, processing, and transfer—meets rigorous, independently audited benchmarks for security, availability, and confidentiality.

*. Advance is a financial technology company, not a bank. Banking services are provided by OMB Bank, Member FDIC. Deposits in checking and savings accounts are held by OMB Bank and are eligible for FDIC insurance coverage. FDIC insurance covers the failure of an insured bank; pass-through insurance applies only if specific conditions are met. OMB Bank does not sponsor Advance's AI program. Fees, terms, and conditions may apply. Please review our Terms of Service and Privacy Policy. Contact us for questions about your privacy and consult a tax advisor for tax-related concerns. Annual Percentage Yield (APY) of up to 3% is available on eligible accounts and is accurate as of September 1, 2026. Actual APY may vary based on account type and balance. Lower APYs may apply if eligibility requirements are not met. Rates are variable and subject to change at any time. Fees may reduce earnings.