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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – August 2025
  • Suitable for: small businesses, freelancers & self-employed.
  • Offerings are backed by regulated financial institutions, deposits are FDIC insured.
  • Compare fees to save money, compare features to save time.
Last Updated August 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
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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 Monthly Fees Card Regulation Benefits Score
Free plan More info Grasshopper Debit Visa
FDIC
  • Earn up to 1.80% APY and 1% Cash Back
  • Unlimited transactions and no monthly fees
  • Open an account online in just 5 minutes
9.8
Visit Site
Grasshopper Review

Payments

Domestic Transfers

Free incoming and outgoing ACH and Wire Transfer

 

International Transfers
  • International Wire Out: $25
  • International Wire In: $5
Checks

Mobile Check Deposit & Mailed Checks

Debit Card

Visa Rewards Debit Card with cash back & virtual cards. Earn more with Visa SavingsEdge.

Accounting Tools

  • green-check-mark Quickbooks
  • green-check-mark Bill Pay
  • green-check-mark Autobooks
  • green-check-mark Plaid
  • green-check-mark Digital Invoicing
  • green-check-mark Additional tools & Integrations available

Security Features

  • Grasshopper, Member FDIC. Deposits are insured up to $250,000.
  • Clients also have access to enhanced FDIC insurance up to $125 million. 

Account Access

Based on 112 reviews
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Free plan More info Bluevine Debit Mastercard
FDIC
  • Get 1.5% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Quick & easy migration of existing accounts
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 8,232 reviews
Visit Site
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
Free plan More info Relay Debit Visa
FDIC
  • Get 1.03%-3.03% APY & up to $3M in FDIC coverage
  • Open multiple individual business accounts
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
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Free plan More info Mercury Debit Mastercard
FDIC
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transactions
8.8
Visit Site
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 5,900 reviews
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$0 – $15 More info Chase Debit Visa
FDIC
  • 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
Grasshopper Review
Regulation FDIC
Monthly Fees Free Plan
Accounts
  • USD
Based on 112 reviews
Benefits
  • Open an account online in just 5 minutes
  • Free incoming and outgoing ACH & Wire Transfer
  • Bill Pay
  • Digital Invoicing 
  • Cash Flow Management & Budgeting Tools
  • Member FDIC. Deposits insured up to $250K
  • Access to enhanced FDIC insurance up to $125M
  • Integrations with Quickbooks, Autobooks, Plaid & more
Visit Site
Our top choice
1
9.8
Visit Site
  • Earn up to 1.80% APY and 1% Cash Back
More info + Free Plan
Score 9.5
Bluevine Review
Regulation FDIC
Monthly Fees Free Plan
Accounts
  • USD
Based on 8,232 reviews
Benefits
  • 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
More info + Free Plan
Exclusive Offer: Earn a $300 cash bonus
Score 9.1
Relay Review
Regulation FDIC
Monthly Fees Free Plan
Accounts
  • USD
Based on 1,204 reviews
Benefits
  • 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
  • Get 1-3.76% APY and up to $3M in FDIC coverage
More info + Free Plan
Score 8.8
Mercury Review
Regulation FDIC
Monthly Fees Free Plan
Accounts
  • USD
Based on 5,900 reviews
Benefits
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
Visit Site
4
8.8
Visit Site
  • Up to 4.44% yield with Mercury Treasury
More info + Free Plan
Score 8.5
Chase Review
Regulation FDIC
Monthly Fees $0 – $15
Accounts
  • USD
Based on 9,856 reviews
Benefits
  • 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

  • Earn up to 1.80% APY and 1% Cash Back
  • Unlimited transactions and no monthly fees
  • Open an account online in just 5 minutes
 9.8
Open Account

Customer Experiences

The online access creation and funding of the account was beyond seamless! I even sent a message to inquire about opening a savings as well! Literally rcv’d a response in an hour. I see now why this was a top priority 10 online bank…
L
L. Scott
May 15, 2024
There are real and friendly people to help when the online experience is not solving an issue. Responses are quick and have resolve the issue or answered the question with minimal back and forth.
W
William Jackson
May 18, 2024
We are a start up company and have had a wonderful experience with Grasshopper Bank. From ease of setting up the account to clear communication and easy access to support staff when needed, I can’t say enough about this bank.
R
Robin S.
May 8, 2024
It was easy enough to set up the account and start conducting business with them.
K
Kristie Barrow
May 12, 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.

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.

FAQ

What’s required to open a business checking account?
Each business banking provider has specific requirements for opening a business checking account. The most crucial consideration is the existence of a de facto business. Clients must present an EIN, business incorporation information, and meet age requirement of 18+. US-based clients should present SSN (Social Security Number), a valid mobile number, and ID verification.
When is the right time to transition to a business checking account?
Business checking accounts are required for transaction purposes. As your business starts growing beyond a one-man operation, a business checking account becomes an invaluable resource. There may need to transition to a business checking account for many reasons, notably an uptick in recurring internal transfers. Other need may occur as a growing number of employees need access to business banking services, enhanced security, oversight, and control functions for management.
What would protect my business checking account from theft?
Business listed on our site are under FDIC protection against loss, theft, or bank closure. Fund are protected for up to $250,000.
Other security measures to be aware of include SSL encryption, and multifactor authentication.
 
Some brands like Relay and Bluevine offers extra security feature that allows Secure access for collaboration with accountants and team members.
What’s the difference between a personal and a business checking account?
Personal accounts are for personal use, while business accounts are for business use. Business checking accounts designed to manage incoming and outgoing funds transfers. By contrast, a personal checking account is used for managing non-business funds only.

FAQ

What’s required to open a business checking account?
Accordeon button
Each business banking provider has specific requirements for opening a business checking account. The most crucial consideration is the existence of a de facto business. Clients must present an EIN, business incorporation information, and meet age requirement of 18+. US-based clients should present SSN (Social Security Number), a valid mobile number, and ID verification.
When is the right time to transition to a business checking account?
Accordeon button
Business checking accounts are required for transaction purposes. As your business starts growing beyond a one-man operation, a business checking account becomes an invaluable resource. There may need to transition to a business checking account for many reasons, notably an uptick in recurring internal transfers. Other need may occur as a growing number of employees need access to business banking services, enhanced security, oversight, and control functions for management.
What would protect my business checking account from theft?
Accordeon button
Business listed on our site are under FDIC protection against loss, theft, or bank closure. Fund are protected for up to $250,000.
Other security measures to be aware of include SSL encryption, and multifactor authentication.
 
Some brands like Relay and Bluevine offers extra security feature that allows Secure access for collaboration with accountants and team members.
What’s the difference between a personal and a business checking account?
Accordeon button
Personal accounts are for personal use, while business accounts are for business use. Business checking accounts designed to manage incoming and outgoing funds transfers. By contrast, a personal checking account is used for managing non-business funds only.