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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – April 2025
  • Suitable for: small businesses, freelancers & self-employed.
  • Offerings are backed by regulated financial institutions, deposits are FDIC insured.
  • Compare fees to save money, compare features to save time.
Last Updated April 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Monthly Fees Karte Regulierung Benefits Punkte
Free plan More info Mercury Debit Mastercard
FDIC
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
 9.8
Seite besuchen
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 by Choice Financial Group and Evolve Bank & Trust; Members FDIC.

Kontozugriff

Based on 5,900 ratings
Visit Site
Free plan More info Bluevine Debit Mastercard
FDIC
  • Get 1.5% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Quick & easy migration of existing accounts
 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
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
No monthly fees More info Rho Mastercard Credit Card
FDIC
  • Earn up to 1.25% cashback
  • Track expenses, and simplify accounting
 9.1
Seite besuchen
Rho bewertung

Zahlungen

Checking Account Minimum

No minimum fee

Fee Free
  • Same-Day ACH
  • Wires
  • Checks
Foreign currency transfer

1%

Wire Recall Fee

$30

Kontoführungs-Tools

  • green-check-mark QuickBooks
  • green-check-mark NetSuite
  • green-check-mark Xero
  • green-check-mark Sage Intacct
  • green-check-mark Puzzle
  • green-check-mark Campfire

Sicherheitsfunktionen

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.

Kontozugriff

Based on 21 reviews
Visit Site
$15 / $30 / $95
monthly fee More info 		Chase Debit Visa
FDIC
  • Fee-free ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
 8.8
Seite besuchen
Chase bewertung

Zahlungen

Minimum Balance

$2k min. balance

Domestic Transfers

ACH transfers: Outgoing: $25 per payment

Wire Transfers: Incoming: $15, Outgoing:$25/$35

International Transfers

Wire Transfers: Incoming: $15, Outgoing:$40

Kontoführungs-Tools

  • close-mark-black Accounting integration
  • green-check-mark Bill Pay
  • green-check-mark Payment processing
  • close-mark-black Invoicing

Sicherheitsfunktionen

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

Kontozugriff

Based on 1,474 reviews
Visit Site
Free plan More info NorthOne Debit Mastercard
FDIC
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
 8.5
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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
Free plan More info Found Debit Mastercard
FDIC
  • Auto expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
 8.2
Seite besuchen
Found bewertung

Zahlungen

Domestic Transfers
  • Unlimited free ACH transfers
  • Incoming Wire transfers only
International Transfers

N/A

Card

Business debit Mastercard

Cash

Deposit and withdrawal available at 79,000 locations

Checks

Check scanner

Kontoführungs-Tools

  • green-check-mark Unlimited free invoicing
  • green-check-mark Expense tracking
  • green-check-mark Tax estimation and saving tool
  • green-check-mark integration with Stripe, Square, PayPal & more

Sicherheitsfunktionen

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

Kontozugriff

Based on 265 reviews
Visit Site
Punkte 9.8
Mercury bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 5,900 reviews
Benefits
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
Seite besuchen
Our top choice
1
9.8
Seite besuchen
  • Up to 4.51% yield with Mercury Treasury
More info + Free Plan
Punkte 9.5
Bluevine Review
Regulierung FDIC
Monthly Fees Free Plan
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
Exclusive Offer: Earn a $300 cash bonus
Seite besuchen
2
9.5
Seite besuchen
  • Get 1.5% APY and $3M in FDIC coverage
More info + Free Plan
Exclusive Offer: Earn a $300 cash bonus
Punkte 9.1
Rho bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten

USD

Based on 21 reviews
Benefits
  • Same-Day ACH, wires, and checks – $0
  • No minimum fee
  • Foreign currency transfer – $1
  • Wire recall fee – $30
Seite besuchen
3
9.1
Seite besuchen
  • Track expenses, and simplify accounting
More info + Free Plan
Punkte 8.8
Chase bewertung
Regulierung FDIC
Monthly Fees $15 / $30 / $95
According to plan
Konten
  • USD
Based on 1,474 reviews
Benefits
  • Accept card payments anytime in the US
  • User-friendly & secure app
  • Quick Deposit: check scanner tool for additional $25/month
  • Fee-free Chase ATMs at 15,000 locations
  • $3 fee for out-of-network ATM
  • $5 International out-of-network ATM fees
  • 0.01% APY interest
Seite besuchen
4
8.8
Seite besuchen
  • Fee-free Chase ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
More info + $15/$30/$95 month
Punkte 8.5
NorthOne bewertung
Regulierung FDIC
Monthly Fees Free Plan
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
Found bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten

USD

Based on 265 reviews
Benefits
  • No credit check needed
  • No NSF or minimum balance
  • Free ACH transfers
  • Unlimited transactions
  • Incoming Wire available domestically
  • Automatic expense tracking
  • Built-in tax calculator and tax-saving tools
  • Unlimited customizable invoices
  • Cash deposit and withdrawal available at 79,000 locations
  • Integrates with multiple apps including: Stripe, Square, Paypal, Venmo, Cash App, and more.
  • Deposits up to $250k are insured by Piermont Bank; Member FDIC
Seite besuchen
Best for self-employed
6
8.2
Seite besuchen
  • Auto expense tracking for self-employed
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
Operate your business with ease, not fees.Vist 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.
My company has been using Rho for about two and a half years and we have had an amazing experience. Why you should think about using Rho: – They gave us a much higher limit than other credit card providers. – It was a very easy o…
S
Sarah Green
Apr 27, 2024
Having tried a few different banking providers, I have found Rho to be best-in-class not just on feature functionality but also on customer servicing. Onboarding was super fast and the team was there for us every step of the way. Love…
R
Rohan
May 24, 2024
We use RHO for our business and the ease of operation for expense tracking, coding and accountability has been exceptional.
k
kathryn henderson
Aug 9, 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.

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.