Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – November 2024
  • Top checking accounts for small businesses, E-commerce & freelancers.
  • All services are FDIC insured by US banking institutions.
  • Save money with low or no fees on transactions.
Last Updated November 2024
  • Low or no fees on all transactions
  • Perfect for small businesses
  • FDIC insured banks

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Top10BusinessBanks is a free online resource meant to help users find the information they need in order to make a confident decision. We spend countless hours of research to find the most relevant content and present it in the most accessible way. However, please don’t view the information presented here as a recommendation from our end.

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Business Banks Pricing Card Regulation Main Advantages Score Open an Account
$15 Per month
$2K min. balance More info
Capital One Platinum FDIC
  • Access to in-network ATMs across the U.S
  • Unlimited transactions
9.8

Payments

Account Types
  • USD
International Transfers

$15 for incoming International wires, $50 for outgoing international wires.

Domestic Transfers

$15 for incoming domestic wires, $25 for outgoing domestic wires.

Accounting Tools

  • green-check-mark Expense Management
  • close-mark-black Bookkeeping
  • close-mark-black Invoicing

Security Features

  • Deposits are FDIC insured to at least $250,000

Account Access

Free plan More info Bluevine Debit Mastercard FDIC
  • 1.5% APY on positive balance up to $250k
  • Quick & easy migration of existing accounts
  • Business loans are available up to $250k
9.5

Payments

Domestic Transfers

Free ACH Transfers
Wire transfers

Standard ACH fee: $0
Same-day ACH fee: $10
Incoming Wire Fee: $0
Outgoing Wire Fee: $15
International Transfers

Transfers to 32 countries outside the U.S in 15 currencies

Outgoing transfer fee (USD): $25
foreign transfer fee: $25 + 1.5% on base payment amount
Card

Business debit Mastercard

Cash

Deposits and withdrawals available at 91,500+ Green Dot ATMs

Checks

Receive: Check scanner.
Send: 2 free checkbooks.

After 2 checkbooks – $18.22 per checkbook, plus taxes and shipping.
Checking

Accounting Tools

  • green-check-mark Bill pay
  • green-check-mark Free unlimited invoicing
  • green-check-mark Expense Management
  • green-check-mark Payment approvals

Security Features

  • Deposits up to $3,000,000 are insured by Coastal Community Bank; Member FDIC and their program banks.

Account Access

Free plan More info Novo Debit Mastercard FDIC
  • Integration with 50+ automation tools
  • Free & unlimited invoicing automation
9.1

Payments

Card Type
  • Business Mastercard
Domestic Transfers

Free incoming/outgoing ACH
Free incoming wire

International Transfers

Outgoing wire Via Wise (Transferwise)

Accounting Tools

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark Integration with Xero, Quickbooks & Zapier

Security Features

  • Deposits up to $250k are insured by Middlesex Federal Savings; Member FDIC

Account Access

$0 – $15 More info Chase Debit Visa FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
8.8

Payments

Small Business Loans

$0 origination fee

Domestic Wire Transfers

Incoming: $15

Outgoing: $25/$35

Domestic ACH Transfers

Outgoing: $25 per payment

International Wire Transfers

Incoming: $15

 

 

 

 

 

 

 

 

Outgoing: $40

Accounting Tools

  • green-check-mark Bill Pay
  • green-check-mark Payment processing

Security Features

  • Deposits up to $250k are insured by Chase Bank; Member FDIC

Account Access

Free plan More info Relay Debit Visa FDIC
  • 1 – 3% APY and up to $3M in FDIC coverage
  • Open multiple individual business accounts
8.5

Payments

Domestic Transfers

Free ACH Bank Transfer

$5 fee for sending Wire transfer
International Transfers

Wire transfers

$10 fee for sending Wire transfer
Card

Relay Debit Visa

Cash

Deposits available at:

  • 55,000+ AllPoint ATMs
  • 90,000+ Green Dot® Network partnering retailers

 

Withdrawals are fee-free on any ATM

Check

Receive: Check scanner
Send: Mailed on-demand

 

Accounting Tools

  • green-check-mark Billpay
  • green-check-mark Savings account
  • close-mark-black Free unlimited invoicing
  • green-check-mark Expanse management
  • green-check-mark integration with QuickBooks, Xero, Gusto, Yodlee and more

Security Features

  • Deposits up to $2,500,000 are insured by the Evolve Bank & Trust and Thread Bank; Members FDIC.
  • Secure collaboration with accountants.

Account Access

$10 Per month
$2K min. balance More info
PNC Visa Business Debit Card FDIC
  • $2K minimum balance to waive monthly fee
  • Minimum $100 deposit required Tto open an account
8.2

Payments

Account Types
  • USD
Domestic Transfers
  • incoming : $15 fee
  • outgoing: $30 fee
International Transfers
  • incoming: $15 fee
  • outgoing: $45 fee

Accounting Tools

  • green-check-mark Bill Pay
  • green-check-mark integration with Quickbooks for $15 per month

Security Features

  • Deposits are FDIC insured to at least $250,000 by PNC bank.

Account Access

Free plan More info Found Debit Mastercard FDIC
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
7.9

Payments

Domestic Transfers
  • Unlimited free ACH transfers
  • Incoming Wire transfers only
International Transfers

N/A

Card

Business debit Mastercard

Cash

Deposit and withdrawal available at 79,000 locations

Checks

Check scanner

Accounting Tools

  • green-check-mark Unlimited free invoicing
  • green-check-mark Expense tracking
  • green-check-mark Tax estimation and saving tool
  • green-check-mark integration with Stripe, Square, PayPal & more

Security Features

  • Deposits up to $250k are insured by Piermont Bank; Member FDIC

Account Access

$0 / $20 / $30
monthly fee More info
US bank Debit Visa FDIC
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
7.5

Payments

Transfers
  • 125 transactions available for free
  • $1 precessing fee for ACH transfers
$0.50 on any additional transfer
Domestic wire transfers
  • Incoming $14 fee
  • Outgoing $40 fee
International wire transfers
  • Incoming $16 fee
  • Outgoing $75 fee

Accounting Tools

  • green-check-mark Billpay
  • green-check-mark Cash deposit
  • green-check-mark Savings
  • green-check-mark Invoicing

Security Features

  • Deposit products (up to $250k) offered by U.S. Bank National Association. Member FDIC

Account Access

Free plan More info NBKC Debit Mastercard FDIC
  • Online payment options
  • No opening deposit requirement
7.2

Payments

Card type
  • Business Mastercard
Domestic Transfers
  • Free Incoming Wire Transfers
  • 5$ Fee for Outgoing Wire Transfers
International Transfers
  • 45$ Fee for Incoming & Outgoing Wire Transfers

Accounting Tools

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • close-mark-black integration with QuickBooks, Xero, Stripe & more

Security Features

  • Funds deposited into the account will be eligible for up to $250,000 of FDIC insurance.

Account Access

Free plan More info NorthOne Debit Mastercard FDIC
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
7.0

Payments

Card type
  • Mastercard Business debit
Checks
  • Deposit checks from phone/web
  • Send a check via mail
Fee free
  • ACH | deposits | transfers | purchases

Accounting Tools

  • green-check-mark QuickBooks
  • green-check-mark FreshBooks
  • green-check-mark Patriot
  • green-check-mark Zoho Books

Security Features

  • Deposits up to $250k are insured by Bancorp Bank; Member FDIC

Account Access

1
  • Access to over 70,000 fee-free in-network ATMs across the U.S
  • Unlimited transactions
More info + $15/month
2
  • 1.5% APY interest on eligible users’ balance
  • Quick & easy migration of existing bank accounts
More info + Free Plan
3
  • Free & unlimited invoicing automation
  • Integration with 50+ automation tools
More info + Free Plan
4
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
More info + $0 – $15
5
  • Open multiple individual business accounts
  • Best-in-class accounting integrations
More info + Free Plan
6
  • Up to 150 fee-free transactions per month
  • Minimum $100 deposit required when opening an account
More info + $12/month
7
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
More info + Free Plan
8
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month
9
  • No monthly account fees or min. balance
  • No opening deposit requirement
More info + Free Plan
10
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams -friendly, debit cards for every owne
More info + Free Plan

Understanding Business Banking – A Quick Guide

Navigating the world of business banking can be overwhelming, but it doesn’t have to be. Our quick guide offers a concise overview of the essential factors to consider when selecting a bank for your business. From analyzing monthly fees and account plans to assessing features and benefits, we break down the key elements that matter most.

By arming yourself with this knowledge, you can confidently choose the right banking partner that aligns with your business goals and financial needs. At our comparison website, we strive to simplify the process of finding the perfect bank for your business, so you can focus on what truly matters – growing your enterprise.

Understanding Business Banking – A Quick Guide

Navigating the world of business banking can be overwhelming, but it doesn’t have to be. Our quick guide offers a concise overview of the essential factors to consider when selecting a bank for your business. From analyzing monthly fees and account plans to assessing features and benefits, we break down the key elements that matter most.

By arming yourself with this knowledge, you can confidently choose the right banking partner that aligns with your business goals and financial needs. At our comparison website, we strive to simplify the process of finding the perfect bank for your business, so you can focus on what truly matters – growing your enterprise.

How to Compare and Choose the Best Business Checking Account?

Banking Features
Check for a variety of payment options, local and international money transfer services, corporate cards, account types and available currencies, as well as integrated invoicing and bookkeeping tools.
Fees
Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
Corporate Card
All business accounts offer MasterCard or Visa corporate cards for you and your employees. Verify the number of free cards included in your chosen plan and the cost of each additional card.
Security
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Tools
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Account Access
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.

How to Compare and Choose the Best Business Checking Account?

Banking Features
Accordeon button
Check for a variety of payment options, local and international money transfer services, corporate cards, account types and available currencies, as well as integrated invoicing and bookkeeping tools.
Fees
Accordeon button
Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
Corporate Card
Accordeon button
All business accounts offer MasterCard or Visa corporate cards for you and your employees. Verify the number of free cards included in your chosen plan and the cost of each additional card.
Security
Accordeon button
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Tools
Accordeon button
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Account Access
Accordeon button
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.