Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – Juni 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 Juni 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
$0 – $15 More info Chase Debit Visa FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
  • Tailored support and consulting solutions
9.8

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
$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
  • Minimize risk with fraud-prevention tools
9.5

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
Terms & Conditions Apply on Rewards
Earn a $500 bonus when you open a U.S. Bank Business Essentials Account or $900 when you open a Platinum Business Checking Account online with promo code Q2AFL25 and complete qualifying activities, subject to certain terms and limitations. Offer valid through June 30, 2025. Member FDIC.

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
Free plan More info Grasshopper Debit Visa FDIC
  • Earn up to 1.80% APY and 1% Cash Back
  • Unlimited transactions and no monthly fees
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
No monthly fees More info Rho Mastercard Credit Card FDIC
  • Earn up to 1.25% cashback
  • Track expenses, and simplify accounting
8.8

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
Free plan More info Live Oak Debit Mastercard FDIC
  • No minimum balance requirements
  • Make payments & deposit checks on-the go
8.5

Zahlungen

Domestic Transfers

Incoming wire $10

Outgoing domestic standard wire $19

International Transfers

$40 on outgoing international standard wire

Min. Opening Deposit

$0 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
$0 – $29.95 More info Bank of America® Debit Visa FDIC
  • 24/7 Total Security Protection®
  • Thousands of financial centers and ATMs
8.2

Zahlungen

Business Advantage Fundamentals™ Banking

Monthly fee: $0 or $16

*no monthly fee for the first 12 statement cycles

Avoid monthly fee: Maintain a $5,000 combined average monthly balance OR Use your Bank of America business debit card to make at least $250 in new net qualified purchases
  • No fee for the first 20 transactions
  • No fee for the first $5,000 in cash deposited
Per statement cycle
Business Advantage Relationship Banking

Monthly fee: $0 or $29.95

Avoid monthly fee: Maintain a $15,000 combined average monthly balance OR Become a member of Preferred Rewards for Business
  • No fee for incoming wire, electronic deposits and more
  • No fee for the first 500 transactions
  • No fee for the first $20,000 in cash deposited
Per statement cycle

Kontoführungs-Tools

  • green-check-mark QuickBooks®
  • green-check-mark Cash Flow Monitor®
  • green-check-mark Erica®

Sicherheitsfunktionen

  • Bank of America, N.A. Member FDIC

Kontozugriff

Based on 1,100,000 reviews
Bank of America® Business Advantage Banking $200 Bonus Offer. See offer page for more details
Our top choice
1
  • Fee-free ATMs at 15,000 locations
More info + $0 – $15
2
  • Online and mobile banking available
More info + $0/$20/$30 month
3
  • Earn up to 1.80% APY and 1% Cash Back
More info + Free Plan
4
  • Track expenses, and simplify accounting
More info + Free Plan
5
  • No minimum balance requirements
More info + Free plan
6
  • 24/7 Total Security Protection®
More info + $0 – $29.95
Bank of America® Business Advantage Banking $200 Bonus Offer. Visit site for more details

Our Top Choice

  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
  • Tailored support and consulting solutions
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.

How to Compare and Choose the Best Business Checking Account?

Features Icon
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 Icon
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 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
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?

Features Icon
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 Icon
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 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
Some banks offer 24/7 account access through mobile and desktop apps, but others may not. Ensure your bank suits your needs.