Do I need a business bank account?

Yes. If you run a business, you need to keep your business finances separate from your personal finances. Using a personal account for business activity can put your personal assets at risk and make your books harder to manage.

Do I have to close my existing business bank accounts and move everything to Lettuce?

No. You can keep your existing business checking, savings, and credit card if you want to. Your Lettuce account works alongside them. The two main things you need to do are have your business income come into Lettuce and connect your business credit card to Lettuce for expenses.

Where does my income go — and does it have to stay in Lettuce?

Your income is initially collected in your Lettuce account, but it does not have to stay there. Once income lands, a percentage is used to run payroll. The rest stays in your Lettuce operating account and is available to transfer to your existing business checking or savings right away. You can also take an owner distribution at any time.

Can I keep using my current business credit card?

Yes. Just connect it to Lettuce and your expenses will be pulled in automatically from that point forward, so your books stay up to date without extra manual work.

Can I keep paying for things from my existing checking account?

Yes. You’ll just need to reimburse yourself from your Lettuce account for those expenses. You don’t have to do that one transaction at a time — you can reimburse yourself in bulk.

Is my Lettuce business account FDIC insured?

Yes. Your Lettuce business checking account is FDIC insured up to $250,000 through TransPecos Banks, N.A., or up to $3,000,000 through i3.Bank, depending on your account.

How long does setup take?

Getting started takes about 30 minutes. Your LLC, EIN, and bank account are typically fully set up in as little as 2–3 weeks.

COMPLIANCE

Stop Worrying About Compliance

Lettuce keeps solopreneurs compliant with federal and state requirements by tracking deadlines, filing on time, and handling the paperwork automatically.

See How It Works

Automate My Compliance

THE LETTUCE ADVANTAGE

Compliance Built for Peace of Mind

You don't need a tax attorney or accounting firm to stay compliant and audit-ready. Lettuce handles your payroll, documents your reasonable compensation, files your federal forms, and keeps you ahead of state compliance deadlines so you're always protected, without the stress.

Prove Your Salary Is Compliant

Lettuce runs a comprehensive Reasonable Compensation analysis and documents your salary calculation, building a complete record to support reasonable compensation requirements.

Built-In Audit Defense

If your filings are ever challenged, Lettuce defends the work — at no cost. Full audit guidance, start to finish.

Compliance-Standard Record Keeping

Every transaction, form, and report is stored securely in Lettuce's digital vault, meeting audit and retention standards.

Guaranteed Tax Savings

If Lettuce doesn't save you money through your S Corp setup, you'll get a full refund.

THE REAL DIFFERENCE

What S Corp Compliance Actually Requires

Electing S Corp status adds recurring obligations that a sole proprietorship never had. Every year you're responsible for quarterly payroll tax filings, quarterly estimated tax payments, an annual S Corp tax return, a state annual report or franchise tax filing, W-2s and payroll documentation for yourself as an employee, and books kept separate from your personal finances. Miss one and the penalties are usually per-filing, not per-year.

Lettuce tracks all of it against a single calendar, prepares the filings, and submits them on schedule, so compliance runs in the background instead of arriving as a surprise.

The election is one decision. Compliance is the part that repeats.

What is an S Corp?

STAY INFORMED AND ON TRACK

State Compliance

Lettuce keeps an eye on the requirements that come from your state, not just the federal side, so your business stays in good standing year after year.

	Annual Reports Filed Automatically Lettuce notifies you of upcoming state annual report deadlines so you stays active year after year. You'll receive timely reminders so you never miss a renewal
	Operating Agreement Handled for You Get a ready-to-use operating agreement that meets state documentation requirements.
	Good Standing, Guaranteed Lettuce tracks key deadlines and sends you reminders for renewals and compliance requirements. You'll always know what's coming so your business status never lapses due to a missed deadline.

2. Sync

Lettuce categorizes your transactions, runs payroll, and tracks your financial activity to keep your tax records accurate and current.

3. Monitor

Lettuce monitors your financial activity and sends reminders for upcoming compliance deadlines, keeping you informed and prepared.

The Lettuce-Back Guarantee

If Lettuce doesn't save you more in taxes than you pay in fees, you'll get a full refund — no questions asked. And if any work Lettuce has done is challenged, Lettuce will defend it at no charge, and will refund any penalties or interest resulting from their work. Every Lettuce Pro plan includes built-in audit protection.

*Lettuce calculates your estimated yearly savings. If you don't meet or exceed this number, you'll get a full refund, hassle free. S Corp election and ongoing management included with Lettuce Pro and Premium plans.

Bhumieka Patel

SEO & Growth Strategist | Bhumi Strategy

"When I saw the tax savings potential of Lettuce setting me up as an S Corp, it felt like a real financial lifeline”

Read Story

Susan Jones

Executive Coaching | Growing Edge Leadership

"As a consultant, Lettuce has let me rise to the occasion. I finally feel legit as a business owner.”

Read Story

Blake Hunter

Real Estate Agent | Intero Real Estate

"Lettuce let's me focus on the sales and client side of my business without having to spend time on the financial side. Everything runs through Lettuce: Payroll, Tax withholding, 1099s to my vendors, etc.”

Read Story

Stay Compliant. Stay Protected. Let Lettuce Handle It.

Lettuce runs compliant payroll, files your federal tax forms, documents your reasonable compensation, and reminds you of state compliance deadlines — keeping your business compliant and audit-ready year-round.

Automate My Compliance

Compliance-Standard Recordkeeping
Secure Cloud Storage
State Deadline Reminders
Lettuce-Back Guarantee

Stop Worrying About Compliance

Compliance Built for Peace of Mind

Prove Your Salary Is Compliant

Built-In Audit Defense

Compliance-Standard Record Keeping

Guaranteed Tax Savings

What S Corp Compliance Actually Requires

State Compliance

How Compliance Works in 4 Steps

1. Connect

2. Sync

3. Monitor

4. Relax

The Lettuce-Back Guarantee

Results from real businesses-of-one

Bhumieka Patel

Susan Jones

Blake Hunter

Compliance FAQs

What records does Lettuce store?

Do I have to file my own state reports?

What if I get audited?

What compliance tasks does Lettuce handle for me?

How does Lettuce help with reasonable compensation?

How will I know when something is due?

Stay Compliant. Stay Protected. Let Lettuce Handle It.