Form an LLC or a Delaware C-corp and open your business account in the same flow. Your EIN and formation documents land straight in your application. Available in all 50 states.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC, and by Lead Bank, Member FDIC.
What you get with Rho Incorporation
- 01
Pick your entity
LLC or Delaware C-corp. Not sure? The guide below walks through the difference in plain English.
- 02
Answer a short questionnaire
Tell Rho your company name, share structure, and founder details to start your formation. You'll need at least one US-based owner or officer and a US operating address; founders in certain restricted countries or excluded industries aren't eligible.
- 03
Rho files with the state
LLC filings are approved in about 2-3 days, though timing varies by state. Delaware C-corps are filed in about 24 hours.
- 04
Your documents flow into your application
Your EIN application is submitted for you, and your formation documents fill in your Rho account application.
- 05
Start running your business
Banking, cards, invoicing, bill pay go live the moment your account is approved.
LLC
- All-in. State filing fee included.
- Registered agent service for your first year
- Your EIN application prepared and submitted for you
- Formation documents returned to you and applied to your Rho application
- Banking, invoicing, cards, and bill pay live the moment your account is approved
Delaware C-corp
- Your SS-4 (EIN application) prepared and submitted for you
- Registered agent service for your first year
- Formation documents, including your certificate of incorporation and other Rho Incorporation formation documents, reviewed and signed off by a licensed attorney
- Rho business account application in the same flow, subject to approval
- Banking, invoicing, cards, and bill pay live the moment your account is approved
Delaware franchise taxes apply to C-corps separately and on an ongoing basis.
| Rho | |
|---|---|
| Upfront price | C-corp: $400. LLC: $349 all in, state filing fee included |
| Filing speed | C-corp: about 24 hours; about 80% of filings complete within that window LLC: about 2 to 3 business days, depending on the state |
| Registered agent | Included for your first year |
| EIN handling | Your SS-4 (EIN application) is prepared and submitted for you; the IRS issues your EIN on its own timeline |
| Business account at formation | Your Rho account application opens in the same flow, subject to approval; funds move once the IRS issues your EIN |
| Rho | Stripe Atlas | Clerky | LegalZoom | |
|---|---|---|---|---|
| Upfront price | C-corp: $400. LLC: $349 all in, state filing fee included | $500 one-time, includes government fees and first year of registered agent | $427 pay per use or $819 Company Lifetime Package; includes $203 Delaware expedited filing fees and $125 first-year registered agent fee | LLC packages: Basic $0, Pro $249, Premium $299, plus state filing fees billed separately |
| Filing speed | C-corp: about 24 hours; about 80% of filings complete within that window LLC: about 2 to 3 business days, depending on the state | Within two business days | Typically 2 to 3 business days | Not published |
| Registered agent | Included for your first year | Included for year one; $100 annually after | Included for year one; renewal not published | Not published |
| EIN handling | Your SS-4 (EIN application) is prepared and submitted for you; the IRS issues your EIN on its own timeline | Company tax ID included | Completes IRS forms and submits them to the IRS for you | Included in Pro and Premium; not in Basic |
| Business account at formation | Your Rho account application opens in the same flow, subject to approval; funds move once the IRS issues your EIN | Stripe Treasury is a separate account | Helps you apply to outside banks with pre-filled applications, no EIN needed; does not open an account of its own | Not published |
Competitive data collected from Stripe Atlas, Clerky, and LegalZoom websites as of 2026-10-05, and may change. State filing fees are included in Rho's LLC price and in Stripe Atlas's and Clerky's prices above; LegalZoom bills state filing fees separately.
The entity you pick decides how you're taxed, who can invest, and how much admin you carry. An LLC is simpler and cheaper to run. Profits pass through to your personal tax return, there's no board or stock to maintain, and it's the standard choice for agencies, e-commerce brands, creators, consultancies and service businesses. A Delaware C-corp is the venture path: it issues stock, supports an employee option pool, and is what institutional investors and their paperwork assume. Rho forms both.
- Most venture-backed startups and their investors expect a Delaware C-corp
- An LLC is a simpler structure and avoids the double taxation a C-corp carries
The Delaware C-corp is $400 and the LLC is $349 all in, with the state filing fee included for the LLC. Both include the filing itself, registered agent service for your first year, your EIN application prepared and submitted, and a Rho business account application in the same flow. The difference is the document set and timeline. An LLC is filed in the state you choose, with approvals typically coming back in about 2–3 days depending on that state. A Delaware C-corp adds attorney review of every formation document, the full startup document set, and 83(b) election forms, and is typically filed within about 24 hours.
- Delaware C-corp formation, reviewed and signed off by a licensed attorney
- Files with the state within about 24 hours; about 80% complete in that window
- Registered agent service included for your first year
- Your SS-4 (EIN application) prepared and submitted for you
- Banking, invoicing, cards, and bill pay live the moment your account is approved
Forming a company yourself means assembling it from parts: file with the state and pay the fee, appoint a registered agent, apply for an EIN, and then start a separate bank account application from scratch once you receive the EIN. Other formation services bundle similar steps for one fee: Stripe Atlas charges $500; Clerky charges $427 or $819; LegalZoom's LLC packages start at $0 plus state filing fees. The real difference between services is what's bundled, not just the sticker price: attorney review, registered agent renewal cost, EIN handling, and whether a business account can open in the same flow.
- Rho bundles filing, attorney review for C-corps, registered agent, EIN prep, and a business account application into one price: $400 for a Delaware C-corp, or $349 for an LLC with the state filing fee included
- Filing directly with Delaware means coordinating attorney review, registered agent, EIN filing, and banking on your own
- Stripe Atlas charges $500; Clerky charges $427 or $819; LegalZoom's LLC packages start at $0 plus state filing fees
- The real difference is what's bundled, not just the sticker price
Form your Delaware C-corp for $400 or your LLC for $349, then apply for your business account in the same flow.
Frequently asked questions
Rho charges $400 for a Delaware C-corp and $349 for an LLC (state filing fee included for the LLC). For comparison, Stripe Atlas charges $500 and Clerky charges $427 or $819, each including state filing fees and a first year of registered agent service. LegalZoom's LLC packages run $0 to $299 plus state filing fees. (Competitive data collected from Stripe Atlas, Clerky, and LegalZoom websites as of 2026-10-05, and may change.)
Yes, subject to approval. Your account application can open in the same flow as incorporation, but funds cannot move until the IRS issues your EIN and it attaches to your account.
Yes. Rho forms LLCs for $349 all in, state filing fee included, with approvals in about 2 to 3 business days depending on the state. Rho also forms Delaware C-corps for $400.
Rho costs $400 for a Delaware C-corp and $349 for an LLC (state filing fee included for the LLC), and its business account application opens in the same flow, subject to approval. Stripe Atlas costs $500, states incorporation "within two business days", and includes $2,500 in Stripe product credits; its Stripe Treasury account is separate. (Competitive data collected from Stripe Atlas website as of 2026-10-05, and may change.)
Rho Incorporation includes Delaware C-corp formation reviewed by a licensed attorney, registered agent service for your first year, and your SS-4 (EIN application) prepared and submitted for you. Your Rho business account application can open in the same flow, subject to approval, and banking, invoicing, cards, and bill pay are live the moment your account is approved.
Form a Delaware C-corp if you plan to raise venture capital, because investors and standard startup equity documents assume one. Form an LLC if you want pass-through taxation and less admin, which suits agencies, e-commerce brands and service businesses. An LLC avoids the double taxation a C-corp carries. Rho forms both: $400 for a Delaware C-corp and $349 for an LLC (state filing fee included for the LLC).
A Delaware C-corp is typically filed within about 24 hours of the next business day after you submit your information, and about 80% of filings complete in that window. LLC approvals take about 2 to 3 business days, depending on the state. These cover state filing only, not EIN issuance or account approval.
Yes. Registered agent service is included for your first year with Rho Incorporation on both the C-corp and the LLC. A registered agent receives legal and tax notices on your company's behalf at a state-registered address.
Your SS-4 (EIN application) is prepared and submitted for you. The IRS issues the EIN on its own timeline.
At least one owner or officer must be US-based with a US operating address, and your business can't be in a restricted industry or country.
No. Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services are provided by Webster Bank, a division of Santander Bank, N.A., Member FDIC, and by Lead Bank, Member FDIC, and deposits are FDIC-insured up to $250,000 per entity through that partnership. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party.
A Delaware C corporation is a legal entity, the kind Rho Incorporation forms for startups, that is owned by shareholders, can issue multiple classes of stock, and is what most venture-backed companies and their investors expect. Delaware's Court of Chancery has decades of business-law precedent and its corporate statute is predictable, which is why most venture financing documents assume a Delaware C-corp counterparty.
Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, a division of Santander Bank, N.A. Member FDIC, and by Lead Bank, Member FDIC. FDIC deposit insurance coverage is available only to protect you against the failure of an FDIC-insured bank that holds your deposits and subject to FDIC limitations and requirements. It does not protect you against the failure of Rho or other third party. Rho Incorporation is not a law firm or accounting firm and does not provide legal, tax, or accounting advice. Rho is not responsible or liable for any errors, omissions, or mistakes made by Rho Incorporation or in any materials, filings, or documents prepared or provided through the service. You are solely responsible for reviewing all such materials and should have your own legal counsel, tax advisors, and other qualified experts review any materials provided by Rho Incorporation before relying on them. Competitive data collected from Stripe Atlas, Clerky, and LegalZoom websites as of 2026-10-05, and may change. Product claims current as of September 2026.