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Best Business Online Checking Accounts – USA

Best Business Online Checking Accounts

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USA – August 2025
  • Ideal for all kinds of businesses: small businesses, startups, entrepreneurs, freelancers, independent professionals, and 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!
Last Updated August 2025
  • Ideal for all kinds of businesses
  • All options are secure and FDIC-insured
  • Compare fees & benefits to maximize savings.
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken FDIC Insured Amount Benefits Punkte
$5M More info
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transaction
  • Unlimited 1.5% Cashback
9.8
Seite besuchen Open Account
Mercury bewertung

Zahlungen

Cards
  • Mercury Debit Mastercard
  • IO Credit Mastercard
Domestic wires
  • Free
USD international wires
  • Free
Currency exchange
  • 1% rate

Kontoführungs-Tools

  • green-check-mark Accounting integration
  • green-check-mark Money management

Sicherheitsfunktionen

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

    Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column
    N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep
    network banks. Certain conditions must be satisfied for pass-through insurance to apply.

    • Kontozugriff

    Based on 1,699 reviews
    Visit Site
    $3M More info
    • Earn Up to 3.7% APY
    • Business loans are available up to $250K
    • Free ACH and incoming wire transfers
    9.5
    Seite besuchen
    Bluevine Review

    Zahlungen

    Domestic Transfers

    Free ACH Transfers
    Wire transfers

    Standard ACH fee: $0
    Same-day ACH fee: $10
    Incoming Wire Fee: $0
    Outgoing Wire Fee: $15
    International Transfers

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

    Outgoing transfer fee (USD): $25
    foreign transfer fee: $25 + 1.5% on base payment amount
    Card

    Business debit Mastercard

    Cash

    Deposits and withdrawals available at 91,500+ Green Dot ATMs

    Checks

    Receive: Check scanner.
    Send: 2 free checkbooks.

    After 2 checkbooks – $18.22 per checkbook, plus taxes and shipping.
    Checking

    Kontoführungs-Tools

    • green-check-mark Bill pay
    • green-check-mark Free unlimited invoicing
    • green-check-mark Expense Management
    • green-check-mark Payment approvals

    Sicherheitsfunktionen

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

    Kontozugriff

    Based on 8,232 reviews
    Visit Site
    $3M More info
    • Earn Up to 3.03% APY + up to 2 savings accounts per business
    • 1.5% Cash back with credit cards
    9.1
    Seite besuchen
    Relay bewertung

    Zahlungen

    Domestic Transfers

    Free ACH Bank Transfer

    $5 fee for sending Wire transfer
    International Transfers

    Wire transfers

    $10 fee for sending Wire transfer
    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

     

    Kontoführungs-Tools

    • green-check-mark Billpay
    • green-check-mark Savings account
    • close-mark-black Free unlimited invoicing
    • green-check-mark Expanse management
    • green-check-mark integration with QuickBooks, Xero, Gusto, Yodlee and more

    Sicherheitsfunktionen

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

    Kontozugriff

    Based on 1,204 reviews
    Visit Site
    $250K More info
    • Available online and in over 2000 branches
    • Manage payables and move funds quickly
    8.8
    Seite besuchen
    US Bank Screenshot
    U.S. Bank bewertung

    Zahlungen

    Transfers
    • 125 transactions available for free
    • $1 precessing fee for ACH transfers
    $0.50 on any additional transfer
    Domestic wire transfers
    • Incoming $14 fee
    • Outgoing $40 fee
    International wire transfers
    • Incoming $16 fee
    • Outgoing $75 fee

    Kontoführungs-Tools

    • green-check-mark Billpay
    • green-check-mark Cash deposit
    • green-check-mark Savings
    • green-check-mark Invoicing

    Sicherheitsfunktionen

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

    Kontozugriff

    Based on 44,200 reviews
    Visit Site
    $250K More info
    • Quick payments: Bill Hub, Same-Day ACH
    • SMBs & teams friendly, cards for every owner
    8.5
    Seite besuchen
    NorthOne bewertung

    Zahlungen

    Card type
    • Mastercard Business debit
    Checks
    • Deposit checks from phone/web
    • Send a check via mail
    Fee free
    • ACH | deposits | transfers | purchases

    Kontoführungs-Tools

    • green-check-mark QuickBooks
    • green-check-mark FreshBooks
    • green-check-mark Patriot
    • green-check-mark Zoho Books

    Sicherheitsfunktionen

    • Deposits up to $250k are insured by Bancorp Bank; Member FDIC

    Kontozugriff

    Based on 159 reviews
    Visit Site
    $3M More info
    • Manage rental income with unlimited sub-accounts.
    • Built-in tenant screening, ledger reports & bookkeeping.
    8.2
    Seite besuchen
    Baselane Site Screenshot
    Baselane bewertung

    Zahlungen

    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.

    Kontoführungs-Tools

    • green-check-mark Easy transaction management
    • green-check-mark Rent collection on autopilot
    • green-check-mark Recurring payments & notifications
    • green-check-mark Integrations: airbnb, Vrbo, PayPal, Cash App, xero, intuit quickbooks

    Sicherheitsfunktionen

    • Deposits up to $3M are insured by Thread Bank; Member FDIC

    Kontozugriff

    Based on 137 reviews
    baselane.com
    $250K More info
    • Expense management for your business
    • High speed international transfers
    7.9
    Seite besuchen
    Airwallex bewertung

    Zahlungen

    Domestic Cards Payments

    2.80% + 0.30 USD

    International Cards Payments

    4.30% + 0.30 USD

    Transfers

    Free

    Some additional charges may apply

    SWIFT Transfers

    $15-$25

    Check Transfers

    $1.50/check

    Kontoführungs-Tools

    • green-check-mark Bill Pay
    • green-check-mark QuickBooks
    • green-check-mark Xero

    Sicherheitsfunktionen

    • Deposits up to $250,000 are insured by the Evolve Bank & Trust and Thread Bank; Members FDIC.

    Kontozugriff

    Based on 1,479 reviews
    Visit Site
    Punkte 9.8
    Mercury bewertung
    Regulierung FDIC
    FDIC Insured Amount $5M
    Konten
    • USD
    Based on 1,699 reviews
    Benefits
    • Free domestic and international wire transfers
    • No monthly fees, transaction fees or minimum opening deposit
    Seite besuchen
    1
    9.8
    Seite besuchen
    • Up to 4.44% yield with Mercury Treasury
    More info + Free Plan
    Punkte 9.5
    Bluevine Review
    Regulierung FDIC
    FDIC Insured Amount $3M
    Konten
    • USD
    Based on 8,232 reviews
    Benefits
    • Business loans are available up to $250K
    • Up to 5 sub-accounts with unique account no.
    • Dedicated secure access for team members
    • Automated payment for vendors
    • Wire transfers to 26 countries outside of the U.S
    • Paper checkbooks available
    • Unlimited transactions
    • Checkbooks, cash deposit & no-fee ATMs in 37,000 locations
    Seite besuchen
    2
    9.5
    Seite besuchen
    • Get 1.5% APY and $3M in FDIC coverage
    More info + Free Plan
    Punkte 9.1
    Relay bewertung
    Regulierung FDIC
    FDIC Insured Amount $3M
    Konten
    • USD
    Based on 1,204 reviews
    Benefits
    • Free cash deposit & withrawal at Allpoint ATMs
    • 20 free checking accounts 
    • 50 debit cards
    • No overdraft fees
    • No minimum balance
    • Secure banking access for financial advisors & team members
    • Integrates with multiple apps including: Plaid, QuickBooks Online, Xero, Gusto, Yodlee, and more
    • Pro feature including: auto bill payment system, same day ACH, free outgoing wires, and more
    Seite besuchen
    3
    9.1
    Seite besuchen
    • 3.76% APY and up to $3M in FDIC coverage
    • Apply in 10 min & Join over 100K businesses
    More info + Free Plan
    Punkte 8.8
    U.S. Bank bewertung
    Regulierung FDIC
    FDIC Insured Amount $250K
    Konten
    Based on 1,700 reviews
    Based on 44,200 reviews
    Benefits
    • Up to 3.56% APY on money market savings account
    • $100 minimum deposit is required to open an account
    • At least 125 free transactions per month
    • Checkbooks, cash deposit & no-fee ATMs in 2,000 locations
    • Deposits up to $250k are insured by U.S. Bank National Association; Member FDIC

    Receive a bonus interest rate up to 3.50% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Terms apply. Member FDIC.

    Seite besuchen
    4
    8.8
    Seite besuchen
    • Online and mobile banking available
    More info + $0/$20/$30 month
    Punkte 8.5
    NorthOne bewertung
    Regulierung FDIC
    FDIC Insured Amount $250K
    Konten
    • USD
    Based on 159 reviews
    Benefits
    • Deposits are FDIC-insured to at least $250,000
    • Human powered customer support
    • Cash deposit available at 300,000 locations
    • $15 fee for incoming/outgoing wire transfers
    • Same Day ACH transfer
    • Integrates with multiple apps including: Stripe, Square, Paypal, Wise, Woocommerce, Amazon, Ebay, Etsy, Shopify, Expensify, Wave, Quickbooks, Gusto, Airbnb, Lyft, and more
    Seite besuchen
    5
    8.5
    Seite besuchen
    • Quick payments: Automated Bill Hub, Same-Day ACH
    More info + Free Plan
    Punkte 8.2
    Baselane bewertung
    Regulierung FDIC
    FDIC Insured Amount $3M
    Konten

    USD

    Baselane Card
    Based on 137 reviews
    Benefits
    • No Account Opening Fees
    • No Monthly Account Fees
    • No Minimum Balance Fees
    • No Inactive Account Fees
    • No Return Payment or Overdraft Fees
    • No ACH Transfer Fees
    Seite besuchen
    6
    8.2
    Seite besuchen
    • Earn $150 Welcome Bonus
    More info +
    Punkte 7.9
    Airwallex bewertung
    Regulierung FDIC
    FDIC Insured Amount $250K
    Konten
    • USD
    Based on 1,479 reviews
    Benefits
    • End-to-end expense management for every business
    • No international transaction fees, 1.5% cashback
    • Easily issue cards to your global workforce
    • Integrates with popular everyday platforms
    Seite besuchen
    7
    7.9
    Seite besuchen
    • Expense management for your business
    More info + Free Plan

    Our Top Choice

    • Get $250 cash when you deposit $10K within your first 90 days.
    • Unlimited fee-free transactions
    • Venture debt loans available for startups
    		 9.8
    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.

    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

    9.8
    Business bank accounts for the runway aheadVist site
    9.5
    Business banking that sets you up for successVist site
    9.1
    Beyond the business banking basics just for youVist site

    Customer Experiences

    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.
    F
    Felipe Franz
    Jan 5, 2024
    As an entrepreneur and startup founder, I cannot emphasize enough how much Mercury will be a game-changer for start-up and small business.
    D
    David
    Apr 28, 2023
    Easy to open account. Very smooth communications and prompt response to queries. Efficient sending money via international wire transfers and ACH.
    K
    Keith
    May 28, 2024
    Can’t recommend the bank and app enough. the app can do do everything the web app can do which is really nice for being on the go
    J
    Jacin Lowe
    Jan 24, 2024
    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…
    S
    Spencer Ingram
    Jan 5, 2024
    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 us…
    J
    Juliet Peterman
    Jan 4, 2024
    Hands down the best app for LLC banking purely online
    B
    Brian Fiederlein
    Jun 10, 2023
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
    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 the…
    K
    Kait
    Jan 15, 2024
    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.
    A
    ATL
    Jan 18, 2024
    Relay has been awesome for my business banking. My account was approved quickly and it was easy to set up multiple accounts
    J
    Jweedlv
    Jan 25, 2024
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.
    I have been banking with Relay for over three years, some of which was in their early startup phase.This is by far the best banking platform for my company and I am so grateful my accountant shared.

    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.

    How to Compare and Choose the Best Business Checking Account?

    Banking Features
    Accordeon button
    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
    Accordeon button
    Look for built-in expense reporting, scheduled payments, and direct debits. Most banks integrate easily with bookkeeping and accounting tools.
    Corporate Card
    Accordeon button
    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
    Accordeon button
    The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
    Accounting Tools
    Accordeon button
    Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
    Account Access
    Accordeon button
    Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.