Last updated Nov 2025

Best Online Business Checking Accounts

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

FDIC Insured Amount

Benefits

Score

Open Account

$250K

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Smart banking, built for your business success.
Tailored business banking with two flexible account options.

9.8

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Payments

Business Advantage Fundamentals™ Banking
Monthly fee: $0 or $16 *No monthly fee for the first 12 statement cycles
No fee for the first 20 transactions
No fee for the first $5,000 in cash deposited

Business Advantage Relationship Banking
Monthly fee: $0 or $29.95
No fee for incoming wires, electronic deposits and more
No fee for the first 500 transactions
No fee for the first $20,000 in cash deposited

Accounting Tools

QuickBooks®
Cash Flow Monitor®
Erica®

Account Access

Security Features

Bank of America, N.A. Member FDIC.
Disclaimer Offer valid for new business checking customers opened by December 31, 2025. To qualify for the $200 cash bonus, deposit $5,000 or more in 'New Money'* directly into a new eligible Bank of America Business Advantage Banking account within 30 days of account opening and maintain an average balance of $5,000 or more during the Maintenance Period** (T & C Apply)”
*New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.

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$250K

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Enjoy 24/7 security, fraud monitoring, and a $0 Liability Guarantee
Use your digital card for debit immediately for in-store and digital purchases

9.4

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Payments

Business Advantage Fundamentals™ Banking
Monthly fee: $0 or $16 – No monthly fee for the first 12 statement cycles, and ongoing if requirements are met.
Best for new businesses with simple banking needs.
No fee for the first 20 transactions per statement cycle.
No fee for the first $5,000 in cash deposited per statement cycle at an ATM or Financial Center.

Business Advantage Relationship Banking
Monthly fee: $0 or $29.95
Best for businesses with the need for extra accounts and robust banking needs.
No fee for the first 500 transactions per statement cycle.
No fee for the first $20,000 in cash deposited at an ATM or Financial Center.

Accounting Tools

Cash flow tracking and mobile deposits
QuickBooks® integration
Custom alerts and spend controls
Employee access management

Account Access

Security Features

Bank of America, N.A. Member FDIC.
Disclaimer Offer valid for new business checking customers opened by December 31, 2025. To qualify for the $200 cash bonus, deposit $5,000 or more in 'New Money'* directly into a new eligible Bank of America Business Advantage Banking account within 30 days of account opening and maintain an average balance of $5,000 or more during the Maintenance Period** (T & C Apply)”
*New Money is new funds deposited into your business checking account that are not transfers from other Bank of America deposit accounts or Merrill investment accounts.
** The Maintenance Period begins thirty-one (31) calendar days after account opening and ends ninety (90) calendar days after account opening.

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Our top choice

$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
Best-in-class integrations and 24/7 support

9.1

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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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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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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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Up to $2,500,000

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Earn up to 3.75% APY on business money market accounts
No monthly fee with $1,000 average balance
FDIC insured with multi-million-dollar coverage available

8.6

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Payments

Card: Piermont Debit Visa

Domestic Wire Transfer:
Incoming domestic wires: generally free
Outgoing domestic wires: fees often apply via fintech partners
Incoming ACH transfers: free
Outgoing ACH transfers: often free

Checks: Remote deposit capture available

Accounting Tools

Money management
Online and mobile banking access
Digital account opening
Flexible lending and relationship management

Account Access

Security Features

FDIC insured accounts with multi-million-dollar coverage available
Expanded protection through IntraFi ICS deposit network

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$250K

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Send and receive international wire transfers
Secure access for your team & accountant

8.4

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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 $250,000 via Sunrise Banks, N.A., Member FDIC

Lili Review

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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

8.2

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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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$250K

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

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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 self-employed

$250K

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Full-featured business checking
Built-in bookkeeping and smart tax tools

7.8

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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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$3M

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Manage rental income with unlimited sub-accounts
Built-in tenant screening, ledger reports and bookkeeping

7.6

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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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$250K

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Earn up to 3.10% APY and 1% cash back
Unlimited transactions and no monthly fees

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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 and 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

Account Access

Security Features

Grasshopper, Member FDIC. Deposits are insured up to $250,000.
Clients also have access to enhanced FDIC insurance up to $125 million.

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Our Top Choice

Top Rated Choice

3.76% APY and up to $3,000,000 in FDIC coverage
Apply in 10 minutes and join over 100,000 businesses
Best-in-class integrations and 24/7 support

9.8

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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

Smart business banking with multiple accounts and zero fees

Visit Relay

9.8

Visit Bank of America

9.4

Visit Bank of America® Business Advantage Banking

Customer Experiences

Relay

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

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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.

Top10BusinessBanks is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way.
That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details – and we always welcome your feedback.
We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions.