OrthoBanc review: patient payment management inside OrthoFi

OrthoBanc is the oldest of OrthoFi's products, with over 20 years in the orthodontic patient payment management space. Here is what it does, how it fits alongside OrthoFi and AcceptCare, and what patients experience when their practice uses it.

What OrthoBanc is

OrthoBanc is a dedicated patient payment management platform for orthodontic and dental practices. It handles autopay, invoicing, and collections on patient payment plans. Unlike the OrthoFi flagship platform, OrthoBanc is not focused on patient acquisition, intake, or insurance verification — it is a focused tool for the recurring payment side of running a practice.

OrthoBanc was independent for over 20 years before Accel-KKR purchased it in December 2020 and combined it with OrthoFi ^[1]. The brand still exists as a separate product your orthodontist may use, especially if their practice has been a long-time OrthoBanc customer.

What OrthoBanc handles

• Autopay management. Scheduling recurring monthly charges to the payment method on file
• Invoicing. Generating monthly invoices and reminders
• Payment plan administration. Managing the term, amount, and due date of each plan
• Collections workflow. Automated outreach when payments fail or accounts become delinquent

How OrthoBanc differs from OrthoFi

Think of OrthoBanc as a focused payment-processing engine and OrthoFi's flagship as the full platform that includes that engine plus everything else. Some practices use only OrthoBanc because they handle intake, insurance, and financing themselves and only want help with recurring billing. Other practices use OrthoFi for the whole stack.

Patient experience with OrthoBanc

If your orthodontist uses OrthoBanc for billing, you probably will not notice a dramatic difference from OrthoFi. Autopay and monthly billing work in a similar way; ask the practice which portal or login your plan uses. The main difference is in how the financing was originally structured — OrthoBanc practices typically carry the loan in-house rather than using a third-party lender.

What you should know as a patient:

• Your payment method on file is charged automatically every month
• You can log into the patient portal to update payment methods, change the due date, or make one-time payments
• Failed payments can trigger fees and reminders
• Changes to the contract (term, amount, interest) require calling the office
• Support contact is through the practice first, then OrthoFi/OrthoBanc customer support if needed

Should you worry about OrthoBanc?

No. OrthoBanc is a mature, legitimate patient payment management platform with a 20-plus year track record.

If you are a new patient and your orthodontist offers both OrthoBanc and OrthoFi financing paths, ask the financial coordinator to explain the difference between them for your specific situation. The right answer depends on your credit, the treatment length, and whether you want in-house or third-party financing.

Frequently asked questions