Best Business Checking Accounts – USA

Best Business Checking Accounts

USA flag
USA – April 2024
  • 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 2024
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.

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Geschäftsbanken Kosten Karte Regulierung Hauptvorteile Punkte Ein Konto eröffnen
Free plan Mehr Bluevine Debit Mastercard FDIC
  • 2.0% APY on positive balance up to $250k for eligible customers
  • Quick & easy migration of existing accounts
  • Business loans are available up to $250k
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

Recieve: 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 7,503 reviews
Free plan Mehr Novo Debit Mastercard FDIC
  • Integration with 50+ automation tools
  • Free & unlimited invoicing automation
  • No fees on transfers by ACH and Wire
9.5

Zahlungen

Card Type
  • Business Mastercard
Domestic Transfers

Free incoming/outgoing ACH
Free incoming wire

International Transfers

Outgoing wire Via Wise (Transferwise)

Kontoführungs-Tools

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark Integration with Xero, Quickbooks & Zapier

Sicherheitsfunktionen

  • Deposits up to $250k are insured by Middlesex Federal Savings; Member FDIC

Kontozugriff

Based on 3,018 reviews
Free plan Mehr Relay Debit Visa FDIC
  • Best-in-class accounting integrations
  • Open multiple individual business accounts
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.
Withdrawls are fee-free on any ATM

Check

Recieve: Check scanner
Send: Mailed for you 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
$15 / $30 / $95
monthly fee Mehr
Chase Debit Visa FDIC
  • Fee-free ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
8.8

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
Free plan Mehr Found Debit Mastercard FDIC
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
8.5

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
Free plan Mehr FDIC
  • No fees on incoming wire transfers
  • Foreign transactions available at 3% fee
8.2

Zahlungen

Domestic Transfers

Free incoming/outgoing ACH
Free incoming wire, $19 on outgoing wire

International Transfers

$19 on outgoing wire

Min. Opening Deposit

$100 minimum opening deposit

Kontoführungs-Tools

  • green-check-mark Quickbooks

Sicherheitsfunktionen

  • Deposits are insured up to $250,000 by Live Oak bank, Member FDIC

Kontozugriff

Based on 308 reviews
Free plan Mehr NorthOne Debit Mastercard FDIC
  • Quick payments: Automated Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
7.9

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
$10 Per month
$5k min. balance Mehr
Axos Debit Visa FDIC
  • Unlimited domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
7.5

Zahlungen

Cash Deposits
  • N/A
Minimum opening deposit
  • $100
Domestic Transfers
  • Free ACH transfers
  • $15 for outgoing wire transfers
International Transfers
  • $50 for outgoing international wire transfer

Kontoführungs-Tools

  • green-check-mark Savings tools
  • green-check-mark Bill pay
  • close-mark-black Expense Management
  • close-mark-black Invoicing
  • green-check-mark QuickBooks integration

Sicherheitsfunktionen

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

Kontozugriff

Based on 119 reviews
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400
Our top choice
1
  • 2.0% APY interest on eligible users’ balance
  • Quick & easy migration of existing bank accounts
Mehr + Free Plan
2
  • Free & unlimited invoicing automation
  • Integration with 50+ automation tools
Mehr + Free Plan
3
  • Open multiple individual business accounts
  • Best-in-class accounting integrations
Mehr + Free Plan
4
  • Fee-free Chase ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
Mehr + $15/$30/$95 month
Best for sole proprietors
5
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
Mehr + Free Plan
6
  • Open online account in minutes
  • 4.0% APY with zero monthly fees
Mehr + Free plan
7
  • Quick payments: Automated Bill Hub, Same-Day ACH
  • SMBs & teams -friendly, debit cards for every owne
Mehr + Free Plan
8
  • Domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
Mehr + $10/month
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400

Why is it important to open a business bank account?

Opening a dedicated bank account is an essential investment for small business owners who are looking to grow their firm. Not only does it provide a more organized system of tracking income and expenditure, but it also allows for a much more professional financial image and keeps personal and company funds separate.

Having such a resource in place is invaluable when it comes to understanding where the business stands financially while preventing any confusion between personal and professional money. This will ensure smoother operations over time and will aid in the continued success and growth of the business.

Why is it important to open a business bank account?

Opening a dedicated bank account is an essential investment for small business owners who are looking to grow their firm. Not only does it provide a more organized system of tracking income and expenditure, but it also allows for a much more professional financial image and keeps personal and company funds separate.

Having such a resource in place is invaluable when it comes to understanding where the business stands financially while preventing any confusion between personal and professional money. This will ensure smoother operations over time and will aid in the continued success and growth of the business.

How to Compare and Choose the Best Business Checking Account?

Features Icon
Banking Features
At the core, check for payment options, local and international money transfer services, corporate cards, account types and currencies available as well as invoicing and bookkeeping tools.
Fees Icon
Fees
Look for accounts offering simple & clear-cut plans, minimal or no fees on transfers & payments and free withdrawal options.
Corporate Card
All business accounts include corporate cards for you & your employees – either through MasterCard or Visa. Check how many cards are included for free in your chosen plan & how much each additional card will cost if required.
Security Icon
Security
The banks we compare & review on Top10BusinessBanks.com are regulated by local authorities. FDIC regulates deposit insurance to at least $250,000
Accounting Icon
Accounting Tools
Look for built in expense reporting, scheduled/recurring payments & direct debits. Most banks also offer seamless integration with bookkeeping & accounting tools.
Access Icon
Account Access
Today, some banks offer account access 24 hours a day, 7 days a week. While the majority of providers offer access via both mobile and desktop/web apps, some business banks only offer one or the other so check you have the access you need when selecting your preferred bank.

How to Compare and Choose the Best Business Checking Account?

Features Icon
Banking Features
Accordeon button
At the core, check for payment options, local and international money transfer services, corporate cards, account types and currencies available as well as invoicing and bookkeeping tools.
Fees Icon
Fees
Accordeon button
Look for accounts offering simple & clear-cut plans, minimal or no fees on transfers & payments and free withdrawal options.
Corporate Card
Accordeon button
All business accounts include corporate cards for you & your employees – either through MasterCard or Visa. Check how many cards are included for free in your chosen plan & how much each additional card will cost if required.
Security Icon
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 Icon
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.
Access Icon
Account Access
Accordeon button
Today, some banks offer account access 24 hours a day, 7 days a week. While the majority of providers offer access via both mobile and desktop/web apps, some business banks only offer one or the other so check you have the access you need when selecting your preferred bank.