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Best Checking Accounts for Self Employed – USA

Best Checking Accounts for Self Employed

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USA – April 2024
  • Suitable for: self-employed, freelancers & business owners.
  • 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 self-employed.
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Monthly Fees Karte Benefits Punkte
Free plan More info Found Debit Mastercard
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
  • No monthly fees, NSF, or minimum balances
 9.8
Seite besuchen
Found
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

Based on 265 reviews
Found.com
Free Plan
Pro Plan $30 More info 		Relay Debit Visa
  • Best-in-class accounting integrations
  • Open multiple individual business accounts
  • Account-based allocation of income and expenses
 9.5
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.
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
relayfi.com
Free plan More info Bluevine Debit Mastercard
  • Free ACH and incoming wire transfers
  • Robust bill pay platform
 9.1
Seite besuchen
BlueVine bewertung

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
bluevine.com
$15 / $30 / $95
monthly fee More info 		Chase Debit Visa
  • Fee-free ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
 8.8
Seite besuchen
Chase bewertung

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
chase.com
$0 / $20 / $30
monthly fee More info 		US bank Debit Visa
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
 8.5
Seite besuchen
US 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

  • Deposits up to $250k are insured by U.S. Bank National Association; Member FDIC

Kontozugriff

Based on 754 reviews
www.usbank.com
Punkte 9.8
Found bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten

USD

Based on 265 reviews
Benefits
  • 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
Best for sole proprietors
1
9.8
Seite besuchen
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
More info + Free Plan
Punkte 9.5
Relay bewertung
Regulierung FDIC
Monthly Fees Free / $30 (Pro 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
Best for employers
2
9.5
Seite besuchen
  • Best-in-class accounting integrations
  • Multiple individual business accounts
More info + Free / $30 (Pro Plan)
Punkte 9.1
BlueVine bewertung
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
Best for single-member LLCs
3
9.1
Seite besuchen
  • Free ACH and incoming wire transfers
  • Robust bill pay platform
More info + Free Plan
Punkte 8.8
Chase bewertung
Regulierung FDIC
Monthly Fees $15 / $30 / $95
According to plan
Konten
  • USD
Based on 1,474 reviews
Benefits
  • Accept card payments anytime in the US
  • User-friendly & secure app
  • QuickDeposit: check scanner tool for additional $25/month
  • Fee-free Chase ATMs at 15,000 locations
  • $3 fee for out-of-network ATM
  • $5 International out-of-network ATM fees
  • 0.01% APY interest
Seite besuchen
4
8.8
Seite besuchen
  • Fee-free Chase ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
More info + $15/$30/$95 month
Punkte 8.5
US 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
Seite besuchen
5
8.5
Seite besuchen
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month

Why is it Important to Open a Business Bank Account?

As a self-employed individual, it’s essential to have a separate bank account for your business. Not only does this help you segregate your personal and business finances, but it also facilitates organized tracking of your income and expenses. With a clear view of your financial position, you can better understand the health of your business and make informed decisions to drive growth and success.

Beyond just better accounting, having a dedicated business account makes it easier to track tax-deductible expenses and estimate tax payments, ensuring you remain compliant with regulatory requirements. Additionally, possessing a business account enhances your professional appearance, helping to build trust with clients and ultimately making it easier to secure new business opportunities. By taking this step to set up a business bank account, you’re setting yourself up for long-term financial success!

Why is it Important to Open a Business Bank Account?

As a self-employed individual, it’s essential to have a separate bank account for your business. Not only does this help you segregate your personal and business finances, but it also facilitates organized tracking of your income and expenses. With a clear view of your financial position, you can better understand the health of your business and make informed decisions to drive growth and success.

Beyond just better accounting, having a dedicated business account makes it easier to track tax-deductible expenses and estimate tax payments, ensuring you remain compliant with regulatory requirements. Additionally, possessing a business account enhances your professional appearance, helping to build trust with clients and ultimately making it easier to secure new business opportunities. By taking this step to set up a business bank account, you’re setting yourself up for long-term financial success!

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.

Free checking account for self-employed

Easy signup with no credit check needed.

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