Last updated Dec 2025

Best Business Bank Accounts With EIN

Find business checking accounts that are easy to get approved for, even for new LLCs
Compare fees, features, and limits across trusted FDIC-insured business banks
Choose options built for LLCs, sole proprietors, freelancers, and growing companies
Discover banks with fast approvals, seamless integrations, and $0–low monthly fees

Business Banks

FDIC Insured Amount

Benefits

Score

Open Account

Our Top Choice

up to $250,000

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Auto expense tracking for small businesses
Built-in tax calculator and tax-saving tools
No monthly fees, NSF, or min balances

9.8

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Open Account

Payments

Domestic Transfers: Unlimited free ACH transfers

International Transfers: N/A

Card: Business Debit Mastercard

Cash: Deposit and withdrawal available at 79,000 locations

Checks: Check scanner

Accounting Tools

Unlimited free invoicing
Expense tracking
Tax estimation and saving tool
Integration with Stripe, Square, PayPal, and more

Account Access

Security Features

Deposits up to $250,000 are insured by Lead Bank, Member FDIC

Found Review

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$250K

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Up to 3.00% APY on balances up to $250,000
No minimum balance or hidden fees

9.4

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Open Account

Payments

Card type: Mastercard Business Debit

Checks:
Deposit checks from phone or web
Send a check via mail

Fee free: ACH | Deposits | Transfers | Purchases

Accounting Tools

QuickBooks
FreshBooks
Patriot
Zoho Books

Account Access

Security Features

Deposits up to $250,000 are insured by Bancorp Bank, Member FDIC

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$5M

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Get $250 cash when you deposit $10,000 within your first 90 days
1.5% cash back on card spend

9.1

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Open Account

Payments

Cards:
Mercury Debit Mastercard
IO Credit Mastercard

Domestic wires: Free

USD international wires: Free

Currency exchange: 1% rate

Accounting Tools

Accounting integrations
Spend management
Bill Pay
Invoicing
Virtual Cards
Financial workflows

Account Access

Security Features

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

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$3M

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Up to 3.25% APY and $3,000,000 in FDIC coverage
Business loans are available up to $250,000

8.8

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Open Account

Payments

Domestic Transfers:
Free ACH transfers
Wire transfers available

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

Card: Business Debit Mastercard

Cash: Deposits and withdrawals at 91,500+ Green Dot ATMs

Checks:
Receive: Check scanner
Send: 2 free checkbooks

Accounting Tools

Bill Pay
Free Unlimited Invoicing
Expense Management
Payment Approvals

Account Access

Security Features

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

Bluevine Review

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$3M

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3.76% APY and up to $3,000,000 in FDIC coverage
Apply in 10 minutes and join over 100,000 businesses

8.6

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Open Account

Payments

Domestic Transfers: Free ACH Bank Transfer

International Transfers: Wire transfers

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

Bill Pay
Savings account
Expense management
Integration with QuickBooks, Xero, Gusto, Yodlee and more

Account Access

Security Features

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

Relay Review

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$3M

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Earn up to 4.00% APY on balances up to $1 million
Automated tax saving system

8.4

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Open Account

Payments

Domestic Transfers: Free ACH Bank Transfer

International Transfers: Free debit transactions

Accounting Tools

Expense Management
Savings tools
Bookkeeping
Invoicing
QuickBooks, Venmo & more

Account Access

Security Features

Deposits are insured up to $3,000,000 via Sunrise Banks, N.A., Member FDIC

Lili Review

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$250K

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Available online and in over 2,000 branches
Manage payables and move funds quickly

8.2

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Open Account

Payments

Transfers:
125 transactions available for free
$1 processing fee for ACH transfers

Domestic wire transfers:
Incoming $14 fee
Outgoing $40 fee

International wire transfers:
Incoming $16 fee
Outgoing $75 fee

Accounting Tools

Bill Pay
Cash deposit
Savings
Invoicing

Account Access

Security Features

Deposit products (up to $250,000) offered by U.S. Bank National Association, Member FDIC

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Best for real estate

up to $3,000,000

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Earn $150 Welcome Bonus
Automated rent collection, receive direct deposits directly into your bank account

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Open Account

Payments

Effortless Rent Collection: Streamline your workflow with automated rent invoices, direct deposits, and built-in bookkeeping tools

Smart Reminders & Late Fee Automation: Reduce late payments and avoid the stress—automated alerts and fees handle the follow-up for you.

Get Paid Faster: Receive rent directly in your Baselane or preferred bank account in as little as 2 days with QuickPay.

Accounting Tools

Easy transaction management
Rent collection on autopilot
Recurring payments & notifications
Integrations: Airbnb, Vrbo, PayPal, Cash App, Xero, Intuit QuickBooks

Account Access

Security Features

Deposits up to $3,000,000 are insured by Thread Bank, Member FDIC

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up to $250,000

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Open in minutes — no minimum deposit or balance required
Get up to $200 cashback just for starting your account.

7.8

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Open Account

Payments

Cash Deposits: N/A

Minimum Opening Deposit: $100

Monthly Fee: $10 (waived with $5,000 average daily balance)

Domestic Transfers: Free ACH transfers; $15 for outgoing wire transfers

International Transfers: $50 for outgoing international wire transfers

Accounting Tools

Savings tools
Bill Pay
QuickBooks integration

Account Access

Security Features

Deposits up to $250,000 are insured by Axos Bank, Member FDIC

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Our Top Choice

Top Rated Choice

Auto expense tracking for small businesses
Built-in tax calculator and tax-saving tools
No monthly fees, NSF, or min balances

9.8

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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.

Top 3 Business Checking Accounts

Find the best fit for your business

9.1

No-fee business banking designed for startups and tech companies

Visit Mercury

9.8

Banking built for the self-employed

Visit Found

9.4

No-fee online business banking built for modern entrepreneurs

Visit NorthOne

Customer Experiences

Found

NorthOne

Mercury

It was the easiest account setup I have ever experienced! Found is the best banking for small businesses I have ever seen.

Joe Pangelinan

This was the easiest and most cost effective way to establish a business account.

Mary D

Love Found. The UI is so much better than Chase and the pockets feature has been so helpful in helping me budget.

Justin & Cassie Fitzpatrick

I have experienced very positive interaction with Found. I was taking a business through a quick transition and this account was very user friendly and easy to navigate.

Gwendolyn

Visit Found

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.