Best Online Checking Accounts for LLCs – USA

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 August 2025

Business Banks	FDIC Insured Amount	Benefits	Score
1	$3M More info	Earn Up to 3.7% APY Business loans are available up to $250K Free ACH and incoming wire transfers Automated accounts payable	9.8	Over 72% of our users chose this bank today 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 Bill pay Free unlimited invoicing Expense Management 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
2	$5M More info	Get $250 cash when you deposit $10K within your first 90 days. Unlimited fee-free transaction Unlimited 1.5% Cashback	9.5	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 Accounting integration 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
3	$250K More info	Available online and in over 2000 branches Manage payables and move funds quickly	9.1	Visit Site
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 Billpay Cash deposit Savings 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
4	$3M More info	Earn Up to 3.03% APY + up to 2 savings accounts per business 1.5% Cash back with credit cards	8.8	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 Billpay Savings account Free unlimited invoicing Expanse management 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
5	$250K More info	Expense management for your business High speed international transfers	8.5	Visit Site
Airwallex Review Payments Domestic Cards Payments 2.80% + 0.30 USD International Cards Payments 4.30% + 0.30 USD Transfers Free Some additional charges may apply SWIFT Transfers $15-$25 Check Transfers $1.50/check Accounting Tools Bill Pay QuickBooks Xero Security Features Deposits up to $250,000 are insured by the Evolve Bank & Trust and Thread Bank; Members FDIC. Account Access Based on 1,479 reviews Visit Site
6	$250K More info	Quick payments: Bill Hub, Same-Day ACH SMBs & teams friendly, cards for every owner	8.2	Visit Site
NorthOne Review 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 QuickBooks FreshBooks Patriot Zoho Books Security Features Deposits up to $250k are insured by Bancorp Bank; Member FDIC Account Access Based on 159 reviews Visit Site
7	$250K More info	Earn up to 1.80% APY and 1% Cash Back Unlimited transactions and no monthly fees	7.9	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 Quickbooks Bill Pay Autobooks Plaid Digital Invoicing 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 Visit Site

9.8

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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

9.5

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Up to 4.44% yield with Mercury Treasury

More info + Free Plan

9.1

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Online and mobile banking available

More info + $0/$20/$30 month

8.8

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3.76% APY and up to $3M in FDIC coverage
Apply in 10 min & Join over 100K businesses

More info + Free Plan

8.5

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Expense management for your business

More info + Free Plan

8.2

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Quick payments: Automated Bill Hub, Same-Day ACH

More info + Free Plan

7.9

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Earn up to 1.80% APY and 1% Cash Back

More info + Free Plan

Our Top Choice

Top Rated Choice	Up to 3.7% APY and $3M in FDIC coverage Business Loans are available up to $250K Issue debit cards with daily and monthly spending limits	9.8	Open Account
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus

Customer Experiences

Bluevine

Mercury

U.S. Bank

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…

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…

Juliet Peterman

Jan 4, 2024

Hands down the best app for LLC banking purely online

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.

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.

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.

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.

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

Jacin Lowe

Jan 24, 2024

I have banked with US bank for 8 years now and have had an amazing experience. I love that the app is simple and easy to use

Hannah Noonan

May 27, 2024

I have been with U. S. Bank for years and if I have a problem they are right there to fix it. Great customer service.

Wonetta Miller

Jan 23, 2020

Sometimes someone does something exceptional that changes your life. An employee at a U.S. Bank branch did for me.

Barb Gottas

Aug 23, 2023

I have a card with them and whenever I have a question I use their online chat or rarely call. They respond in less than a minute and they are KNOWLEDGEABLE.

VanessaL

Jul 17, 2023

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

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.

Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.

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.

The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000

Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.

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

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Fees

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Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.

Corporate Card

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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

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The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000

Accounting Tools

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Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.

Account Access

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Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.

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.

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.

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.

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?

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When is the right time to transition to a business checking account?

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What would protect my business checking account from theft?

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What’s the difference between a personal and a business checking account?

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Best Online Checking Accounts for LLCs – USA

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Our Top Choice

Customer Experiences

Understanding Business Banking – A Quick Guide

Understanding Business Banking – A Quick Guide

How to Compare and Choose the Best Business Checking Account?

How to Compare and Choose the Best Business Checking Account?

FAQ

FAQ