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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – November 2024
  • Top checking accounts for small businesses, E-commerce & freelancers.
  • All services are FDIC insured by US banking institutions.
  • Save money with low or no fees on transactions.
Last Updated November 2024
  • Low or no fees on all transactions
  • Perfect for small businesses
  • FDIC insured banks
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Kosten Karte Regulierung Hauptvorteile Punkte Ein Konto eröffnen
$15 Per month
$2K min. balance More info 		Capital One Platinum
FDIC
  • Access to in-network ATMs across the U.S
  • Unlimited transactions
 9.8
Seite besuchen
Capital One ScreenShot
Capital One bewertung

Zahlungen

Account Types
  • USD
International Transfers

$15 for incoming International wires, $50 for outgoing international wires.

Domestic Transfers

$15 for incoming domestic wires, $25 for outgoing domestic wires.

Kontoführungs-Tools

  • green-check-mark Expense Management
  • close-mark-black Bookkeeping
  • close-mark-black Invoicing

Sicherheitsfunktionen

  • Deposits are FDIC insured to at least $250,000

Kontozugriff

Visit Site
Free plan More info Bluevine Debit Mastercard
FDIC
  • 1.5% APY on positive balance up to $250k
  • Quick & easy migration of existing accounts
  • Business loans are available up to $250k
 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

Visit Site
Free plan More info Novo Debit Mastercard
FDIC
  • Integration with 50+ automation tools
  • Free & unlimited invoicing automation
 9.1
Seite besuchen
Novo bewertung

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

Visit Site
$0 – $15 More info Chase Debit Visa
FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
 8.8
Seite besuchen
Chase bewertung

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

Visit Site
Free plan More info Relay Debit Visa
FDIC
  • 1 – 3% APY and up to $3M in FDIC coverage
  • Open multiple individual business accounts
 8.5
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

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$10 Per month
$2K min. balance More info 		PNC Visa Business Debit Card
PNC debit card
FDIC
  • $2K minimum balance to waive monthly fee
  • Minimum $100 deposit required Tto open an account
 8.2
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PNC bewertung

Zahlungen

Account Types
  • USD
Domestic Transfers
  • incoming : $15 fee
  • outgoing: $30 fee
International Transfers
  • incoming: $15 fee
  • outgoing: $45 fee

Kontoführungs-Tools

  • green-check-mark Bill Pay
  • green-check-mark integration with Quickbooks for $15 per month

Sicherheitsfunktionen

  • Deposits are FDIC insured to at least $250,000 by PNC bank.

Kontozugriff

Visit Site
Free plan More info Found Debit Mastercard
FDIC
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
 7.9
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

Visit Site
$0 / $20 / $30
monthly fee More info 		US bank Debit Visa
FDIC
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
 7.5
Seite besuchen
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

Visit Site
Free plan More info NBKC Debit Mastercard
FDIC
  • Online payment options
  • No opening deposit requirement
 7.2
Seite besuchen
nbkc bewertung

Zahlungen

Card type
  • Business Mastercard
Domestic Transfers
  • Free Incoming Wire Transfers
  • 5$ Fee for Outgoing Wire Transfers
International Transfers
  • 45$ Fee for Incoming & Outgoing Wire Transfers

Kontoführungs-Tools

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • close-mark-black integration with QuickBooks, Xero, Stripe & more

Sicherheitsfunktionen

  • Funds deposited into the account will be eligible for up to $250,000 of FDIC insurance.

Kontozugriff

Visit Site
Free plan More info NorthOne Debit Mastercard
FDIC
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
 7.0
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

Visit Site
Punkte 9.8
Capital One bewertung
Regulierung FDIC
Kosten $15 Per month
$2K min. balance
Konten
Hauptvorteile
Seite besuchen
1
9.8
Seite besuchen
  • Access to over 70,000 fee-free in-network ATMs across the U.S
  • Unlimited transactions
More info + $15/month
Punkte 9.5
Bluevine Review
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Hauptvorteile
  • 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
  • 1.5% APY interest on eligible users’ balance
  • Quick & easy migration of existing bank accounts
More info + Free Plan
Punkte 9.1
Novo bewertung
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Hauptvorteile
  • Easy integration for multiple 3rd-party financial apps
  • Payments with Stripe are processed 95% faster
  • Free outgoing transfers & incoming wires
  • Unlimited ATM fee refunds
  • Human-powered customer service
  • Integrates with multiple apps including: Stripe, Square, Paypal, Wise, Woocommerce, Amazon, Ebay, Etsy, Shopify, Xero, Quickbooks, Slack, Zapier, and more.
Seite besuchen
3
9.1
Seite besuchen
  • Free & unlimited invoicing automation
  • Integration with 50+ automation tools
More info + Free Plan
Punkte 8.8
Chase bewertung
Regulierung FDIC
Kosten $0 – $15
Konten
  • USD
Hauptvorteile
  • Small Business Loans origination fee – $0
  • Accounting Tools: Bill Pay, Payment Processing

 

  • Domestic Wire Transfers:
  • Incoming – $15
  • Outgoing – $25/$35

 

  • International Wire Transfers:
  • Incoming – $15
  • Outgoing – $40
Seite besuchen
4
8.8
Seite besuchen
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
More info + $0 – $15
Punkte 8.5
Relay bewertung
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Hauptvorteile
  • 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
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5
8.5
Seite besuchen
  • Open multiple individual business accounts
  • Best-in-class accounting integrations
More info + Free Plan
Punkte 8.2
PNC bewertung
Regulierung FDIC
Kosten $12 Per month
Konten
PNC debit card
Hauptvorteile
  • $2,000 minimum balance
Seite besuchen
6
8.2
Seite besuchen
  • Up to 150 fee-free transactions per month
  • Minimum $100 deposit required when opening an account
More info + $12/month
Punkte 7.9
Found bewertung
Regulierung FDIC
Kosten Free Plan
Konten

USD

Hauptvorteile
  • 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
7
7.9
Seite besuchen
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
More info + Free Plan
Punkte 7.5
U.S. Bank bewertung
Regulierung FDIC
Kosten $0 / $20 / $30
monthly fee
Konten
Hauptvorteile
  • Up to 3.50% 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
Seite besuchen
8
7.5
Seite besuchen
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month
Punkte 7.2
nbkc bewertung
Regulierung FDIC
Kosten Free Plan
Konten
Hauptvorteile
Seite besuchen
9
7.2
Seite besuchen
  • No monthly account fees or min. balance
  • No opening deposit requirement
More info + Free Plan
Punkte 7.0
NorthOne bewertung
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Hauptvorteile
  • 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
10
7.0
Seite besuchen
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams -friendly, debit cards for every owne
More info + Free Plan

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.

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.