For 2026, business banking stacks combine 5 layers: accounts, cards, payments,...

https://collinsexpertcolumn.novacrestiq.com/posts/which-platform-is-best-if-i-need-multi-entity-support-later

For 2026, business banking stacks combine 5 layers: accounts, cards, payments, accounting, and expense management. Novo offers up to 20 sub-accounts with $0-fee ACH transfers, while Brex integrates cards and expense tracking seamlessly