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: Apr 2026
Best Online Business Checking Accounts – USA
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Ideal for all kinds of businesses:
small businesses, startups, entrepreneurs, freelancers, independent professionals & enterprises.
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All options are secure and
FDIC-insured
with
0 monthly fees
, backed by trusted financial institutions.
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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
Free plan
More Info
More Info
FDIC
- Up to 2.68% APY and up to $3M in FDIC coverage
- No monthly fees, no minimum balance, no hidden charges
- Open up to 20 checking accounts for smarter cash flow
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
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Bill Pay
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Savings account
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Expense management
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Integration with QuickBooks, Xero, Gusto, Yodlee and more
Account Access
Security Features
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Deposits up to $2,500,000 are insured by Evolve Bank & Trust and Thread Bank, Members FDIC
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Secure collaboration with accountants.
2
Free plan
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FDIC
- Business loans are available up to $250,000
- Up to 1.3% APY and $3M in FDIC coverage
- Quick and easy migration of existing accounts
9.4
Payments
Domestic Transfers:
Free ACH transfers
Wire transfers available
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
Receive: Check scanner
Send: 2 free checkbooks
Accounting Tools
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Bill Pay
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Free Unlimited Invoicing
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Expense Management
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Payment Approvals
Account Access
Security Features
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Deposits up to
$3,000,000
are insured by Coastal Community Bank, Member FDIC, and their program banks.
3
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FDIC
- 1.5% cash back on card spend
- Flat-fee working capital, no hidden costs
- Free domestic and international USD wires
9.1
Payments
Cards:
Mercury Debit Mastercard
IO Credit Mastercard
Mercury Debit Mastercard
IO Credit Mastercard
Domestic wires:
Free
USD international wires:
Free
Currency exchange:
1% rate
Accounting Tools
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Accounting integrations
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Spend management
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Bill Pay
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Invoicing
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Virtual Cards
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Financial workflows
Account Access
Security Features
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Deposits up to $5,000,000 are insured.
Mercury Review
4
$0–$30 / month
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FDIC
- Available online and in over 2,000 branches
- Manage payables and move funds quickly
8.8
Payments
Transfers:
125 transactions available for free
$1 processing fee for ACH transfers
125 transactions available for free
$1 processing fee for ACH transfers
Domestic wire transfers:
Incoming $14 fee
Outgoing $40 fee
Incoming $14 fee
Outgoing $40 fee
International wire transfers:
Incoming $16 fee
Outgoing $75 fee
Incoming $16 fee
Outgoing $75 fee
Accounting Tools
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Bill Pay
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Cash deposit
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Savings
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Invoicing
Account Access
Security Features
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Deposit products (up to $250,000) offered by U.S. Bank National Association, Member FDIC
US Bank Review
5
Best for self-employed
Base plan
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FDIC
- Full-featured business checking
- Built-in bookkeeping and smart tax tools
8.6
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
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Unlimited free invoicing
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Expense tracking
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Tax estimation and saving tool
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Integration with Stripe, Square, PayPal, and more
Account Access
Security Features
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Deposits up to $250,000 are insured by Lead Bank, Member FDIC
6
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FDIC
- Manage rental income with unlimited sub-accounts
- Built-in tenant tools & bookkeeping
8.4
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
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Easy transaction management
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Real-time balance sheet across properties
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Schedule E & tax-ready financial reports
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Integrations: Airbnb, Vrbo, PayPal, Cash App, Xero, Intuit QuickBooks
Account Access
Security Features
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Deposits up to $3,000,000 are insured by Thread Bank, Member FDIC
Baselane Review
7
Free plan
More Info
More Info
FDIC
- Earn up to 3.10% APY and 1% cash back
- Unlimited transactions and no monthly fees
8.2
Payments
Domestic Transfers:
Free incoming and outgoing ACH and Wire Transfer
International Transfers:
International Wire Out: $25
International Wire In: $5
International Wire Out: $25
International Wire In: $5
Checks:
Mobile Check Deposit and Mailed Checks
Debit Card:
Visa Rewards Debit Card with cash back & virtual cards. Earn more with Visa SavingsEdge.
Accounting Tools
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QuickBooks
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Bill Pay
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Autobooks
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Plaid
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Digital Invoicing
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Additional tools & integrations available
Account Access
Security Features
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Grasshopper, Member FDIC. Deposits are insured up to $250,000.
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Clients also have access to enhanced FDIC insurance up to $125 million.
Grasshopper Review
Our Top Choice
1
Top Rated Choice
- Up to 2.68% APY and up to $3M in FDIC coverage
- No monthly fees, no minimum balance, no hidden charges
- Open up to 20 checking accounts for smarter cash flow
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!
Kait
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.
ATL
Relay has been awesome for my business banking. My account was approved quickly and it was easy to set up multiple accounts
Jweedlv
The absolute most convenient business bank account I've had. From ease of separating checking and savings accounts, adding cards for team members with set limits, and the customer service, I'm very much pleased all around.
Jenn D
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
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!
Juliet Peterman
Bluevine is awesome. A truly great business checking and savings bank with current technology such as ability to grant access to your accountant, debit cards for employees, etc. Plus you earn interest, free checking account and lots of other perks. I highly recommend them for small businesses.
Gabby
I rarely need to call Bluevine for anything, but when I do, I have never been disappointed, any question I ask I get an answer that solves my issues, Bluevine is exceptionally awesome, they are the only bank for me and by business! I highly recommend using Bluevine for all your business needs!
El Ray
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
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
Easy to open account. Very smooth communications and prompt response to queries. Efficient sending money via international wire transfers and ACH.
Keith
Mercury is intuitive and a comprehensive solution that is making my startup journey much easier. Their onboarding was very hands on and explained everything I need to know to hit the ground running.
John
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.