USA flag

Best Business Checking Accounts – USA

Best Business Checking Accounts

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

Offenlegung von Inserenten

Top10BusinessBanks ist eine kostenlose Online-Ressource, mit der Benutzer die Informationen finden können, die sie benötigen, um eine sichere Entscheidung zu treffen. Wir verbringen unzählige Stunden mit Recherchen, um die relevantesten Inhalte zu finden und auf die zugänglichste Weise zu präsentieren. Bitte betrachten Sie die hier präsentierten Informationen jedoch nicht als Empfehlung von unserer Seite.

Bitte beachten Sie:

  • Alle auf dieser Website angezeigten Informationen sind vollständig subjektiv. Darüber hinaus verfügen wir über ein weites redaktionelles Ermessen hinsichtlich des Inhalts, den wir auf der Website veröffentlichen, und aus verschiedenen Gründen können die angezeigten Informationen unvollständig und / oder ungenau sein. Bitte zögern Sie nicht, die von uns bereitgestellten Informationen zu überprüfen. Es ist okay, wir werden nicht beleidigt sein – im Gegenteil, wir würden uns über Ihr Feedback freuen!
  • Dank der Empfehlungsgebühren, die wir von unseren Partnern (einigen der auf dieser Website aufgeführten Unternehmen) erhalten, können wir diese völlig kostenlose Online-Ressource anbieten. Dies kann sich zwar auf den Standort dieser Unternehmen und den Inhalt der Website auswirken, es ist jedoch nicht möglich, eine positive Bewertung oder eine Position auf dieser Website zu erwerben.
Geschäftsbanken Monthly Fees Karte Regulierung Benefits Punkte
Free plan More info Relay Debit Visa
FDIC
  • Best-in-class accounting integrations
  • Open multiple individual business accounts
  • 24/7 support from knowledgeable specialists
 9.8
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.
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
Visit Site
Free plan More info Bluevine Debit Mastercard
FDIC
  • 2.0% 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

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
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

Based on 3,018 reviews
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
 8.8
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

Based on 754 reviews
Visit Site
Earn up to $800 bonus when opening a new, eligible business checking account online
$0 – $15 More info Chase Debit Visa
FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
 8.5
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

Based on 9,856 reviews
Visit Site
Earn $300 when opening a new Chase Business Complete Checking® account
Free plan More info Mercury Debit Mastercard
FDIC
  • Up to 5.39% yield on your savings
  • Unlimited fee-free transactions
 8.2
Seite besuchen
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 764 reviews
Visit Site
Special Offer: Deposit $10K within your first 90 days and get $250 cash
Free plan More info
FDIC
  • No minimum balance requirements
  • Make payments & deposit checks on-the go
 7.9
Seite besuchen
Live Oak bewertung

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
Visit Site
Punkte 9.8
Relay bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 1,204 reviews
Benefits
  • 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
Seite besuchen
Our top choice
1
9.8
Seite besuchen
  • Open multiple individual business accounts
  • Best-in-class accounting integrations
More info + Free Plan
Punkte 9.5
Bluevine Review
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 7,503 reviews
Benefits
  • 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
  • 2.0% APY interest on eligible users’ balance
  • Quick & easy migration of existing bank accounts
More info + Free Plan
Punkte 9.1
Novo bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 3,018 reviews
Benefits
  • 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
U.S. Bank bewertung
Regulierung FDIC
Monthly Fees $0 / $20 / $30
monthly fee
Konten
Based on 754 reviews
Benefits
  • 4.5% APY 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
Up to $800 bonus for new business checking
Seite besuchen
4
8.8
Seite besuchen
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month
Up to $800 bonus for new business checking
Punkte 8.5
Chase bewertung
Regulierung FDIC
Monthly Fees $0 – $15
Konten
  • USD
Based on 9,856 reviews
Benefits
  • 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
Earn $300 when opening a new Chase Business Complete Checking® account
Seite besuchen
5
8.5
Seite besuchen
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
More info + $0 – $15
Earn $300 when opening a new Chase Business Complete Checking® account
Punkte 8.2
Mercury bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 764 reviews
Benefits
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
Get $250 when deposit $10K in the first 90 days
Seite besuchen
6
8.2
Seite besuchen
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
More info + Free Plan
Get $250 cash when deposit $10K in the first 90 days
Punkte 7.9
Live Oak bewertung
Regulierung FDIC
Monthly Fees Free plan
Konten
  • USD
Based on 308 reviews
Benefits
  • Human-powered support
  • No fees on incoming wire transfers
  • No account opening or monthly maintenance fees
  • Access over 55,000 free in-network ATMs
  • Bill pay service available
Seite besuchen
7
7.9
Seite besuchen
  • Open online account in minutes
  • 4.0% APY with zero monthly fees
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.

Top 3 Business Checking Accounts

Find the best fit for your business

9.8
Beyond the business banking basics just for youVist site
9.5
Business banking that sets you up for successVist site
9.1
All your business banking in one platformVist site

Customer Experiences

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.
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.
A great solution for a small online business. No hidden fees and they do what they say they will do. One star off because when logging in using the browser, you have to get the authentication code via text
J
Jean
Jan 14, 2024
Great platform overall – It would be great to have one login to manage several accounts
C
Customer
May 12, 2024
Really easy to set up. One minor issue I’ve had over the year using Novo is understanding how deposited checks using the mobile app reflect in analytics.
A
Andrew Drwenski
Jan 10, 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.