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.
Last updated Nov 2025
Best Online Business Checking Accounts – USA
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Top checking accounts for
small businesses, e-commerce and freelancers.
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All options are secure and
FDIC-insured
by US banking institutions.
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Save money with low or
no fees
on transactions.
Business Banks
Monthly Fees
Card
Regulation
Benefits
Score
Open Account
1
$15 / month
(waived with $2K balance)
More Info
More Info
9.8
Payments
Account Types:
USD
Domestic Transfers:
$15 for incoming domestic wires, $25 for outgoing domestic wires.
International Transfers:
$15 for incoming International wires, $50 for outgoing international wires.
Accounting Tools
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Expense Management
Account Access
Security Features
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Deposits are FDIC insured to at least $250,000
Capital One Review
Our Top Choice
1
Top Rated Choice
9.8
Understanding Business Banking – A Quick Guide
Top 3 Business Checking Accounts
Find the best fit for your business
Customer Experiences
Bluevine
Grasshopper
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.
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 use! Thank you, Bluevine!
Hands down the best app for LLC banking purely online
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.