Best Online Business Checking Accounts – USA

Best Online Business Checking Accounts

USA flag
USA – April 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 April 2025
  • Ideal for all kinds of businesses
  • All options are secure and FDIC-insured
  • Compare fees & benefits to maximize savings.

Offenlegung von Inserenten

Top10BusinessBanks ist eine kostenlose Online-Ressource, mit der Benutzer die Informationen finden können, die sie benötigen, um eine sichere Entscheidung zu treffen. Wir verbringen unzählige Stunden mit Recherchen, um die relevantesten Inhalte zu finden und auf die zugänglichste Weise zu präsentieren. Bitte betrachten Sie die hier präsentierten Informationen jedoch nicht als Empfehlung von unserer Seite.

Bitte beachten Sie:

  • Alle auf dieser Website angezeigten Informationen sind vollständig subjektiv. Darüber hinaus verfügen wir über ein weites redaktionelles Ermessen hinsichtlich des Inhalts, den wir auf der Website veröffentlichen, und aus verschiedenen Gründen können die angezeigten Informationen unvollständig und / oder ungenau sein. Bitte zögern Sie nicht, die von uns bereitgestellten Informationen zu überprüfen. Es ist okay, wir werden nicht beleidigt sein – im Gegenteil, wir würden uns über Ihr Feedback freuen!
  • Dank der Empfehlungsgebühren, die wir von unseren Partnern (einigen der auf dieser Website aufgeführten Unternehmen) erhalten, können wir diese völlig kostenlose Online-Ressource anbieten. Dies kann sich zwar auf den Standort dieser Unternehmen und den Inhalt der Website auswirken, es ist jedoch nicht möglich, eine positive Bewertung oder eine Position auf dieser Website zu erwerben.
Geschäftsbanken FDIC Insured Amount Benefits Punkte
$3M More info
  • Earn Up to 3.7% APY
  • Business loans are available up to $250K
  • Free ACH and incoming wire transfers
  • Automated accounts payable
9.8

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
$250K More info
  • Full-featured business checking
  • Built-in bookkeeping and Smart tax tools
  • Free invoicing & payments
9.5

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
$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

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
$3M More info
  • Earn $150 Welcome Bonus
  • Earn up to 3.35% APY
8.8

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
$5M More info
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transaction
8.5

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
$250K More info
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
8.2

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
Our top choice
1
  • Get 1.5% APY and $3M in FDIC coverage
More info + Free Plan
2
  • Auto expense tracking for self-employed
More info + Free Plan
3
  • 3.76% APY and up to $3M in FDIC coverage
  • Apply in 10 min & Join over 100K businesses
More info + Free Plan
Best for Real Estate
4
More info +
5
  • Up to 4.51% yield with Mercury Treasury
More info + Free Plan
6
  • Online and mobile banking available
More info + $0/$20/$30 month

Our Top Choice

  • Earn Up to 3.7% APY
  • Business loans are available up to $250K
  • Free ACH and incoming wire transfers
  • Automated accounts payable
9.8

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.

Customer Experiences

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.