Payments
- Mastercard enhanced debit
- Unlimited & Free in-networt ATM withdrawals
- Free
- Free
Accounting Tools
- Accounting integration
Security Features
- Banking Services provided by LendingClub Bank
- National Association, Member FDIC
Account Access

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:
Business Banks | Pricing | Card | Regulation | Main Advantages | Score | Open an Account |
---|---|---|---|---|---|---|
1
|
Free plan More Info | nearside Mastercard Enhanced Debit | FDIC |
|
9.8 | |
PaymentsCard type
ATM withdrawals
ACH transfers
Insufficient funds
Accounting Tools
Security Features
Account Access![]() |
||||||
2
|
Free plan More Info | Novo Debit Mastercard | FDIC |
|
9.5 | |
PaymentsCard Type
Domestic Transfers
Free incoming/outgoing ACH International Transfers
Outgoing wire Via Wise (Transferwise) Accounting Tools
Security Features
Account Access![]() |
||||||
3
|
Free plan More Info | Bluevine Debit Mastercard | FDIC |
|
9.1 | |
PaymentsDomestic Transfers
Free ACH 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 90,000+ Green Dot ATMs Checks
Recieve: Check scanner.
After 2 checkbooks – $18.22 per checkbook, plus taxes and shipping.
Checking Accounting Tools
Security Features
Account Access![]() |
||||||
4
|
$10 Per month More Info | NorthOne Debit Mastercard | FDIC |
|
8.8 | |
PaymentsCard type
Checks
Fee free
Accounting Tools
Security Features
Account Access![]()
$30 Gift for Funded Account
|
||||||
5
|
$15 / $30 / $95 According to plan More Info |
Chase Debit Visa | FDIC |
|
8.5 | |
PaymentsMinimum Balance
Domestic Transfers
International Transfers
Accounting Tools
Security Features
Account Access![]() |
||||||
6
|
$9 / $20 / $35 According to plan More Info |
Lili Debit Visa | FDIC |
|
8.2 | |
PaymentsDomestic Transfers
International Transfers
Accounting Tools
Security Features
Account Access![]() |
||||||
7
|
Free plan More Info | Divvy Visa Business Card | FDIC |
|
7.9 | |
PaymentsCard type
Domestic Transfers
Rewards
Accounting Tools
Security Features
Account Access![]() |
||||||
8
|
$10 Per month $5k min. balance More Info |
Axos Debit Visa | FDIC |
|
7.5 | |
PaymentsCash Deposits
Minimum opening deposit
Domestic Transfers
International Transfers
Accounting Tools
Security Features
Account Access![]() |
A personal bank account is not intended to confer the same benefits as a business bank account. As a freelancer, sole trader, partnership, or corporation, it’s important to establish a separate identity for your business. Personal accounts are not geared towards business activity. For privacy reasons, your personal account should not be mixed with your business activity.
Debtors, creditors and their banking institutions are much more comfortable dealing with business to business accounts for transactions processing purposes, taxes and invoices. A business bank account establishes credibility, professionalism, and trust. When payroll is needed, a business bank account is a must-have. Separation of personal and business finances is always recommended, especially when business debit cards and/or credit cards are issued to company personnel.
Tax reporting is significantly easier to manage with a business bank account. When a personal account is used for business activity, co-mingling of income and expenses takes place. This complicates matters. Besides, business bank accounts make it much easier for you to effectively control incomes and expenses with your business.
A personal bank account is not intended to confer the same benefits as a business bank account. As a freelancer, sole trader, partnership, or corporation, it’s important to establish a separate identity for your business. Personal accounts are not geared towards business activity. For privacy reasons, your personal account should not be mixed with your business activity.
Debtors, creditors and their banking institutions are much more comfortable dealing with business to business accounts for transactions processing purposes, taxes and invoices. A business bank account establishes credibility, professionalism, and trust. When payroll is needed, a business bank account is a must-have. Separation of personal and business finances is always recommended, especially when business debit cards and/or credit cards are issued to company personnel.
Tax reporting is significantly easier to manage with a business bank account. When a personal account is used for business activity, co-mingling of income and expenses takes place. This complicates matters. Besides, business bank accounts make it much easier for you to effectively control incomes and expenses with your business.