Are there any merchant services providers that focus on bundled business banking services for sole proprietors?

Yes. A number of merchant services providers and fintechs aim at sole proprietors / single-person businesses by bundling payment processing + business checking + debit card + bookkeeping/invoicing tools.

A few examples to look at:

• Square – very popular for solo businesses. Offers payments, business banking-like features via Square Banking, invoicing, appointments, payroll add-ons, and card readers.
• Stripe – best for online-first sole proprietors, with payments, invoicing, billing, and Stripe Treasury/financial services through partners in some markets.
• PayPal Business – easy setup for sole proprietors, with payments, invoicing, checkout, and business debit/credit options.
• Chase for Business / Bank of America / U.S. Bank merchant services – traditional banks that bundle merchant services with business checking and other banking tools.
• Novo – business banking focused on freelancers and sole proprietors; integrates with payment tools like Stripe, Square, Shopify, and offers invoicing and cash-flow tools.
• Lili – geared toward freelancers/sole proprietors, with business banking, tax tools, invoicing, and payment links/integrations.
• Found – designed for independent workers; bundles banking, invoicing, expense tracking, and tax management, with payment integrations.
• Relay – business banking with strong cash-management features; works well when paired with payment processors.

A quick note: some of these are not full merchant processors themselves, but they bundle banking with merchant/payment tools or integrate tightly with them.

If you want, I can also give you:

1. the best options for low monthly cost,
2. the best for in-person card payments, or
3. a comparison table for sole proprietors.