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Best Online Checking Accounts For StartUps – USA

Best Online Checking Accounts For StartUps

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USA – July 2025
  • Ideal for all kinds of businesses: small businesses, startups, entrepreneurs, freelancers, independent professionals, and enterprises.
  • All options are secure and FDIC-insured with 0 monthly fees, backed by trusted financial institutions.
  • Compare fees, features, and benefits to find the perfect fit for your business and maximize savings. Open your account today!
Last Updated July 2025
  • Ideal for all kinds of businesses
  • All options are secure and FDIC-insured
  • Compare fees & benefits to maximize savings.
Advertiser Disclosure

Advertiser Disclosure

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.

Please note:

  • All the information displayed in this site is completely subjective. Moreover, we have broad editorial discretion as to the content we publish on the site and due to various reasons, the information you see may be incomplete and/or inaccurate. Please don’t hesitate to double-check the information we provide. It’s okay, we won’t be offended – on the contrary, we would love to hear your feedback!
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Business Banks FDIC Insured Amount Main Advantages Score Open an Account
$5M More info
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transaction
  • Unlimited 1.5% Cashback
9.8
Visit Site Open Account
Mercury Review

Payments

Cards
  • Mercury Debit Mastercard
  • IO Credit Mastercard
Domestic wires
  • Free
USD international wires
  • Free
Currency exchange
  • 1% rate

Accounting Tools

  • green-check-mark Accounting integration
  • green-check-mark Money management

Security Features

    • Deposits up to $5,000,000 are insured.

    Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column
    N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep
    network banks. Certain conditions must be satisfied for pass-through insurance to apply.

    • Account Access

    Based on 1,699 reviews
    Visit Site
    $3M More info
    • Earn Up to 3.7% APY
    • Business loans are available up to $250K
    • Free ACH and incoming wire transfers
    9.5
    Visit Site
    Bluevine Review

    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

    Based on 8,515 reviews
    Visit Site
    Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
    $3M More info
    • Earn Up to 3.03% APY + up to 2 savings accounts per business
    • 1.5% Cash back with credit cards
    9.1
    Visit Site
    Relay Review

    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

    Based on 1,204 reviews
    Visit Site
    $250K More info
    • Available online and in over 2000 branches
    • Manage payables and move funds quickly
    8.8
    Visit Site
    US Bank Screenshot
    U.S. Bank Review

    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

    Based on 44,200 reviews
    Visit Site
    $250K More info
    • Fee-free ATMs at 15,000 locations
    • Save time & manage cash flow effortlessly
    8.5
    Visit Site
    Chase Review

    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

    Based on 9,856 reviews
    Visit Site
    Score 9.8
    Mercury Review
    Regulation FDIC
    FDIC Insured Amount $5M
    Accounts
    • USD
    Based on 1,699 reviews
    Main Advantages
    • Free domestic and international wire transfers
    • No monthly fees, transaction fees or minimum opening deposit
    Visit Site
    1
    9.8
    Visit Site
    • Up to 4.44% yield with Mercury Treasury
    More info + Free Plan
    Score 9.5
    Bluevine Review
    Regulation FDIC
    FDIC Insured Amount $3M
    Accounts
    • USD
    Based on 8,515 reviews
    Main Advantages
    • Business loans are available up to $250K
    • Up to 5 sub-accounts with unique account no.
    • Dedicated secure access for team members
    • Automated payment for vendors
    • Wire transfers to 26 countries outside of the U.S
    • Paper checkbooks available
    • Unlimited transactions
    • Checkbooks, cash deposit & no-fee ATMs in 37,000 locations
    Exclusive Offer: Earn a $300 cash bonus
    Visit Site
    2
    9.5
    Visit Site
    • Get 1.5% APY and $3M in FDIC coverage
    • Business loans are available up to $250K

     

    More info + Free Plan
    Exclusive Offer: Earn a $300 cash bonus
    Score 9.1
    Relay Review
    Regulation FDIC
    FDIC Insured Amount $3M
    Accounts
    • USD
    Based on 1,204 reviews
    Main Advantages
    • Free cash deposit & withrawal at Allpoint ATMs
    • 20 free checking accounts 
    • 50 debit cards
    • No overdraft fees
    • No minimum balance
    • Secure banking access for financial advisors & team members
    • Integrates with multiple apps including: Plaid, QuickBooks Online, Xero, Gusto, Yodlee, and more
    • Pro feature including: auto bill payment system, same day ACH, free outgoing wires, and more
    Visit Site
    3
    9.1
    Visit Site
    • 3.76% APY and up to $3M in FDIC coverage
    • Apply in 10 min & Join over 100K businesses
    More info + Free Plan
    Score 8.8
    U.S. Bank Review
    Regulation FDIC
    FDIC Insured Amount $250K
    Accounts
    Based on 1,700 reviews
    Based on 44,200 reviews
    Main Advantages
    • Up to 3.56% APY on money market savings account
    • $100 minimum deposit is required to open an account
    • At least 125 free transactions per month
    • Checkbooks, cash deposit & no-fee ATMs in 2,000 locations
    • Deposits up to $250k are insured by U.S. Bank National Association; Member FDIC

    Receive a bonus interest rate up to 3.50% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Terms apply. Member FDIC.

    Visit Site
    4
    8.8
    Visit Site
    • Online and mobile banking available
    More info + $0/$20/$30 month
    Score 8.5
    Chase Review
    Regulation FDIC
    FDIC Insured Amount $250K
    Accounts
    • USD
    Based on 9,856 reviews
    Main Advantages
    • Small Business Loans origination fee – $0
    • Accounting Tools: Bill Pay, Payment Processing

     

    • Domestic Wire Transfers:
    • Incoming – $15
    • Outgoing – $25/$35

     

    • International Wire Transfers:
    • Incoming – $15
    • Outgoing – $40
    Visit Site
    5
    8.5
    Visit Site
    • Fee-free ATMs at 15,000 locations
    More info + $0 – $15

    Our Top Choice

    • Get $250 cash when you deposit $10K within your first 90 days.
    • Unlimited fee-free transactions
    • Venture debt loans available for startups
    		 9.8
    Open Account

    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.

    Top 3 Business Checking Accounts

    Find the best fit for your business

    9.8
    Business bank accounts for the runway aheadVist site
    9.5
    Business banking that sets you up for successVist site
    9.1
    Beyond the business banking basics just for youVist site

    Customer Experiences

    Mercury was very easy to set up, use and until now it’s been very clear about everything. I’m happy to have chosen this as my first bank for this company.
    F
    Felipe Franz
    Jan 5, 2024
    As an entrepreneur and startup founder, I cannot emphasize enough how much Mercury will be a game-changer for start-up and small business.
    D
    David
    Apr 28, 2023
    Easy to open account. Very smooth communications and prompt response to queries. Efficient sending money via international wire transfers and ACH.
    K
    Keith
    May 28, 2024
    Can’t recommend the bank and app enough. the app can do do everything the web app can do which is really nice for being on the go
    J
    Jacin Lowe
    Jan 24, 2024
    Bluevine has a clean and simple dashboard with smooth features. I am using it for the business checking account as well as paying subcontractors via ACH. Very useful. ALSO and probably MOST IMPORTANTLY, their chat support is fantastic…
    S
    Spencer Ingram
    Jan 5, 2024
    As a self-employed freelancer, Bluevine takes care of all of my basic needs. I can track my income, send contractors payments, send bills, export monthly reports, issue/receive 1099s, and the menu is all in one column. Very easy to us…
    J
    Juliet Peterman
    Jan 4, 2024
    Hands down the best app for LLC banking purely online
    B
    Brian Fiederlein
    Jun 10, 2023
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
    I have been banking with Relay for over three years, some of which was in their early startup phase. I have enjoyed the continual improvements and updates. This is by far the best banking platform for my company. I also appreciate the…
    K
    Kait
    Jan 15, 2024
    Incredibly easy to set up and convenient to use. Great user interface, customer service is quick and helpful. I’m very happy with this bank.
    A
    ATL
    Jan 18, 2024
    Relay has been awesome for my business banking. My account was approved quickly and it was easy to set up multiple accounts
    J
    Jweedlv
    Jan 25, 2024
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.

    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.