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 Sep 2025
Best Online Business Checking Accounts – USA
-
Ideal for all kinds of businesses:
small businesses, startups, entrepreneurs, freelancers, independent professionals & 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!
Business Banks
Monthly Fees
Card
Regulation
Benefits
Score
Open Account
1
Our top choice
More Info
More Info
4.5/5
1,204 reviews
9.8
1,204 reviews
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
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
Receive: Check scanner
Send: Mailed on-demand
Accounting Tools
-
Bill Pay
-
Savings account
-
Expense management
-
Integration with QuickBooks, Xero, Gusto, Yodlee and more
Accounting Tools
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
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
Relay
Bluevine
Mercury
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 their customer support staff!
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.
Relay has been awesome for my business banking. My account was approved quickly and it was easy to set up multiple accounts
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.