Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – August 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 August 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.

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Geschäftsbanken Monthly Fees Karte Regulierung Benefits Punkte
Free plan More info Bluevine Debit Mastercard FDIC
  • Up to 3.7% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Issue debit cards with daily and monthly spending limits
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
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
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
9.5

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.

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 5,900 reviews
Free plan More info Grasshopper Debit Visa FDIC
  • Earn up to 3.55% APY on your savings
  • Get unlimited 1% cash back
9.1

Zahlungen

Domestic Transfers

Free incoming and outgoing ACH and Wire Transfer

 

International Transfers
  • International Wire Out: $25
  • International Wire In: $5
Checks

Mobile Check Deposit & Mailed Checks

Debit Card

Visa Rewards Debit Card with cash back & virtual cards. Earn more with Visa SavingsEdge.

Kontoführungs-Tools

  • green-check-mark Quickbooks
  • green-check-mark Bill Pay
  • green-check-mark Autobooks
  • green-check-mark Plaid
  • green-check-mark Digital Invoicing
  • green-check-mark Additional tools & Integrations available

Sicherheitsfunktionen

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

Kontozugriff

Based on 112 reviews
Free plan More info Found Debit Mastercard FDIC
  • Auto expense tracking for small businesses
  • Built-in tax calculator and tax-saving tools
8.8

Zahlungen

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

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 Lead Bank; Member FDIC

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.

Kontozugriff

Based on 265 reviews
$0 – $15 More info Chase Debit Visa FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
8.5

Zahlungen

Small Business Loans

$0 origination fee

Domestic Wire Transfers

Incoming: $15

Outgoing: $25/$35

Domestic ACH Transfers

Outgoing: $25 per payment

International Wire Transfers

Incoming: $15

 

 

 

 

 

 

 

 

Outgoing: $40

Kontoführungs-Tools

  • green-check-mark Bill Pay
  • green-check-mark Payment processing

Sicherheitsfunktionen

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

Kontozugriff

Based on 9,856 reviews
No monthly fees More info Rho Mastercard Credit Card FDIC
  • Earn up to 1.25% cashback
  • Track expenses, and simplify accounting
8.2

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
1
  • Up to 3.7% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
More info + Free Plan
Exclusive Offer: Earn a $300 cash bonus
2
  • Up to 4.44% yield with Mercury Treasury
More info + Free Plan
3
  • Earn up to 3.55% APY on your savings
More info + Free Plan
4
  • Auto expense tracking for self-employed
More info + Free Plan
5
  • Fee-free ATMs at 15,000 locations
More info + $0 – $15
6
  • Track expenses, and simplify accounting
More info + Free Plan

Our Top Choice

  • Up to 3.7% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Issue debit cards with daily and monthly spending limits
9.8
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus

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

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.