FOR HOMEOWNERS ASSOCIATIONS

Business Banking That Works for Your HOA

Manage your association's finances with dedicated business accounts, high-yield savings for reserves, and powerful vendor payment tools.

FDIC insured

No monthly fees

Up to 4.27% APY

We understand HOA financial challenges

Traditional banking wasn't built for associations. We're different.

30%

Underfunded Reserves

of HOAs lack adequate reserves for major repairs

95%

Collection Issues

of HOAs face delinquency challenges annually

40%

Insurance Increases

average premium increase in the last 3 years

Hours Monthly

spent on manual financial management

Banking features that solve HOA problems

Everything you need to manage association finances efficiently

Grow Your Reserves Faster

Stop letting reserves sit idle in low-yield accounts. Earn competitive rates that help offset rising costs and build adequate reserves.

Tiered Interest Rates

3.70% - 4.27% APY based on balance

Multiple Reserve Accounts

Separate accounts for roof, painting, landscaping reserves

FDIC Insurance

Protected through our partner banks

Reserve Growth Calculator

Current Reserves

$500,000

Annual Interest Earned

Traditional Bank (0.5%)

$2,500

Bark (3.85%)

$19,250

Additional Annual Earnings

+$16,750

Payment Methods

ACH Transfers

For recurring vendors

1-2 days

Wire Transfers

For large projects

Same day

Digital Checks

For one-time payments

3-5 days

Streamline Vendor Payments

Pay landscapers, utilities, contractors, and service providers easily. Save vendor details for quick recurring payments.

Multiple Payment Options

ACH, wires, and checks from one platform

Saved Vendor Information

Store details for quick repeat payments

Full Audit Trail

Complete transaction history for board meetings

Board-Ready Access Controls

Add board members with appropriate permissions. Maintain security while enabling efficient operations.

Role-Based Permissions

Owner, Admin, Manager, and View-only roles

Two-Factor Authentication

Extra security for all board members

Activity Tracking

Complete audit trail of all actions

President

Owner Access

Full control

Treasurer

Admin Access

Manage finances

Board Member

Manager Access

View & approve

Property Mgr

Custom Access

As needed

Built for HOAs, evolving with your needs

We're constantly improving our platform based on HOA feedback

Automated Dues Collection (Coming Q1 2026)

Online payment portal for homeowners with recurring ACH pull, automated late fees, and payment tracking by unit.

HOA-Specific Features (Coming Q2 2026)

Homeowner portal, automated allocation to operating vs. reserves, violation fee tracking, and special assessment payment plans.

Enhanced Compliance Tools (Coming Q3 2026)

State-specific reserve calculators, reserve study integration, board resolution tracking, and budget vs. actual reporting.

Frequently asked questions

Can we have multiple accounts for different reserves?

Yes! Create separate savings accounts for each reserve fund (roof, painting, landscaping, etc.) to track balances and earn interest on each one independently.

How do we handle board approvals for large expenses?

Use our role-based permissions to set up approval workflows. You can require multiple approvers for transactions above certain thresholds.

Is our money FDIC insured?

Yes, your funds are FDIC insured through our partner banks, providing the same protection as traditional banks.

Can homeowners pay dues online?

Not yet, but it's our top priority for HOAs. We're launching online dues collection with automated processing in Q1 2026.

What reports can we generate for board meetings?

Export all transactions to CSV, QBO, or OFX format with custom date ranges. Categorize expenses and generate balance reports for any period.

Do you integrate with property management software?

Currently, we support data export to common formats. Direct integrations with AppFolio, CINC, and Yardi are on our roadmap for 2026.

Ready to modernize your HOA's finances?

Join associations that are earning more on reserves and saving hours on financial management.

Disclaimers and footnotes

Bark operates as a financial technology company and is not a bank insured by the FDIC. Piermont Bank, Member FDIC, provides all banking services. FDIC deposit insurance protects deposits in the event of an insured bank's failure.

Piermont Bank, Member FDIC, issues Bark Corporate Cards under licensing agreements with Mastercard®.

As a financial technology company, Bark partners with Piermont Bank, Member FDIC, to offer checking and savings accounts. While Bark itself is not FDIC-insured, deposits held at our partner bank are protected by FDIC insurance against bank failure. Sweep network banks may hold portions of your deposits. Pass-through FDIC insurance applies when specific conditions are met.

Piermont Bank, Member FDIC, issues Corporate Expense Cards through its Mastercard® license. Monthly repayments trigger automatic cashback credits to your designated checking account. Partial or early payments earn proportional cashback rewards. Account closure or terms violations may result in cashback forfeiture. Program terms are subject to modification with notice via email or website updates. For expense card inquiries, contact help@bark.finance.

Bark Securities, LLC, a registered investment adviser with the SEC, manages Bark Treasury with targeted annual net returns reaching 4.27% on uninvested cash balances. Yield figures current as of 08/12/2025, based on aggregate Bark deposits exceeding $20M.

Bark Securities, LLC, registered with the SEC as an investment adviser, provides advisory services for Treasury accounts. IBKR, a FINRA/SIPC member and registered broker-dealer, maintains custody of these accounts. FDIC insurance does not cover Treasury accounts. Consult the ADV Wrap Fee Brochure for comprehensive details regarding Bark Securities' advisory services.

Historical performance data presented represents limited time periods and should not be interpreted as predictive of future results. Investment returns fluctuate and cannot be guaranteed. Risk of loss exists for all investments, including potential loss of principal amounts invested. No assurance exists that any account will replicate illustrated profits or losses. Individual returns depend on numerous personal and market factors. Evaluate your financial objectives and program costs prior to investing. Past performance does not predict future outcomes.

While we consider our information sources reliable, we cannot guarantee their complete accuracy. This material does not constitute an offer to sell or solicitation to purchase securities. Its sole purpose is to gauge interest in Bark Treasury and provide background on our algorithmic investment approach. The Firm has compiled this information from sources deemed trustworthy, though absolute accuracy and completeness remain unverified.

Forward-looking statements within this document can be recognized by terminology including "believe," "expect," "anticipate," "should," "planned," "estimated," "potential," and comparable expressions.

Forward-looking statements encompass projections regarding financial status, operational results, and investment strategy performance. Multiple variables influence outcomes, including economic conditions at local and national levels, competitive dynamics, interest rate movements, regulatory and legislative developments, and technological, governmental, and market factors. These elements may cause substantial deviation between actual and projected results.

Target return figures represent performance objectives the Firm aims to achieve within specified timeframes. These projections indicate expected performance capabilities of our investment services. We present target returns to communicate risk management parameters for Bark Treasury and assist investors in portfolio allocation decisions. Such targets constitute neither guarantees nor commitments regarding future performance.

FDIC insurance does not apply to Bark Treasury. These products do not constitute deposits or obligations of Piermont Bank, nor does Piermont Bank guarantee them. Investment risks apply to all Bark Treasury products, with potential for principal loss.