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Best Checking Accounts For StartUps – USA

Best Checking Accounts For StartUps

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USA – Dezember 2024
  • No paperwork, fast approval & automated accounting from FDIC insured US banks
  • Save money with low or no fees on transactions
  • Perfect for small businesses & startups
Last Updated Dezember 2024
  • No paperwork, FDIC insured banks
  • Low or no fees on all transactions
  • Perfect for small businesses
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Kosten Karte Regulierung Hauptvorteile Punkte Ein Konto eröffnen
Free plan More info Mercury Debit Mastercard
FDIC
  • Up to 4.61% yield on your savings
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
 9.8
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Mercury bewertung

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
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Free plan More info Bluevine Debit Mastercard
FDIC
  • Up to 4.0% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Live support from dedicated professionals
 9.5
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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

Based on 8,232 reviews
Visit Site
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
Free plan More info Relay Debit Visa
FDIC
  • Get 1-3% APY and up to $3M in FDIC coverage
  • Open multiple individual business accounts
 9.1
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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

Based on 1,204 reviews
Visit Site
Free plan More info NorthOne Debit Mastercard
FDIC
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
 8.8
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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

Based on 159 reviews
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$0 – $15 More info Chase Debit Visa
FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
 8.5
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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

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

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
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$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
 7.9
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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

Based on 44,200 reviews
Visit Site
Punkte 9.8
Mercury bewertung
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Based on 5,900 reviews
Hauptvorteile
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
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Our top choice
1
9.8
Seite besuchen
  • Up to 4.61% yield on your savings
  • Venture debt loans available for startups
More info + Free Plan
Punkte 9.5
Bluevine Review
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Based on 8,232 reviews
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
Exclusive Offer: Earn a $300 cash bonus
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2
9.5
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  • Up to 4.0% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
More info + Free Plan
Exclusive Offer: Earn a $300 cash bonus
Punkte 9.1
Relay bewertung
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Based on 1,204 reviews
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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3
9.1
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  • Open multiple individual business accounts
  • Best-in-class accounting integrations
More info + Free Plan
Punkte 8.8
NorthOne bewertung
Regulierung FDIC
Kosten Free Plan
Konten
  • USD
Based on 159 reviews
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
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4
8.8
Seite besuchen
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams -friendly, debit cards for every owne
More info + Free Plan
Punkte 8.5
Chase bewertung
Regulierung FDIC
Kosten $0 – $15
Konten
  • USD
Based on 9,856 reviews
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
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5
8.5
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  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
More info + $0 – $15
Punkte 8.2
Rho bewertung
Regulierung FDIC
Kosten Free Plan
Konten

USD

Based on 21 reviews
Hauptvorteile
  • Same-Day ACH, wires, and checks – $0
  • No minimum fee
  • Foreign currency transfer – $1
  • Wire recall fee – $30
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6
8.2
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  • Track expenses, and simplify accounting
More info + Free Plan
Punkte 7.9
U.S. Bank bewertung
Regulierung FDIC
Kosten $0 / $20 / $30
monthly fee
Konten
Based on 1,700 reviews
Based on 44,200 reviews
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
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7
7.9
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  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month

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.

Top 3 Business Checking Accounts

Find the best fit for your business

9.8
Business bank accounts for the runway aheadVist site
9.5
Business banking that sets you up for successVist site
9.1
Beyond the business banking basics just for youVist site

Customer Experiences

Mercury was very easy to set up, use and until now it’s been very clear about everything. I’m happy to have chosen this as my first bank for this company.
F
Felipe Franz
Jan 5, 2024
As an entrepreneur and startup founder, I cannot emphasize enough how much Mercury will be a game-changer for start-up and small business.
D
David
Apr 28, 2023
Easy to open account. Very smooth communications and prompt response to queries. Efficient sending money via international wire transfers and ACH.
K
Keith
May 28, 2024
Can’t recommend the bank and app enough. the app can do do everything the web app can do which is really nice for being on the go
J
Jacin Lowe
Jan 24, 2024
Bluevine has a clean and simple dashboard with smooth features. I am using it for the business checking account as well as paying subcontractors via ACH. Very useful. ALSO and probably MOST IMPORTANTLY, their chat support is fantastic…
S
Spencer Ingram
Jan 5, 2024
As a self-employed freelancer, Bluevine takes care of all of my basic needs. I can track my income, send contractors payments, send bills, export monthly reports, issue/receive 1099s, and the menu is all in one column. Very easy to us…
J
Juliet Peterman
Jan 4, 2024
Hands down the best app for LLC banking purely online
B
Brian Fiederlein
Jun 10, 2023
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.
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.