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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – Mai 2025
  • Offerings are backed by regulated financial institutions, deposits are FDIC insured.
  • Suitable for: small businesses, freelancers & self-employed.
  • Compare fees to save money, compare features to save time.
Last Updated Mai 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.
Offenlegung von Inserenten

Offenlegung von Inserenten

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Geschäftsbanken Monthly Fees Karte Regulierung Benefits Punkte
Free plan More info Novo Debit Mastercard
FDIC
  • No fees on transfers by ACH and Wire
  • Integration with 50+ automation tools
  • Free & unlimited invoicing automation
9.8
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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
Free plan More info Bluevine Debit Mastercard
FDIC
  • Quick & easy migration of existing accounts
  • 2.0% APY on positive balance up to $250k for eligible customers
  • Up to 5 sub-accounts with unique account no.
9.5
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

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
Free plan More info Found Debit Mastercard
FDIC
  • Auto expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
9.1
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

Based on 265 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
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
Visit Site
$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
Punkte 9.8
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.
Explore
Best for LLCs
1
9.8
Explore
  • No fees on transfers by ACH and Wire
  • Integration with 50+ automation tools
More info + Free Plan
Punkte 9.5
Bluevine bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 8,232 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
Explore
Best for employers
2
9.5
Explore
  • Quick & easy migration of existing accounts
  • 2.0% APY on positive balance up to $250k for eligible customers
More info + Free Plan
Punkte 9.1
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
Explore
Best for sole proprietors
3
9.1
Explore
  • Auto expense tracking for self-employed
More info + Free Plan
Punkte 8.8
U.S. Bank bewertung
Regulierung FDIC
Monthly Fees $0 / $20 / $30
monthly fee
Konten
Based on 1,700 reviews
Based on 44,200 reviews
Benefits
  • Up to 3.56% 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

Receive a bonus interest rate up to 3.50% from the account opening date when you open a new Platinum Business Money Market Account and complete qualifying activities, subject to certain terms and limitations. Terms apply. Member FDIC.

Explore
4
8.8
Explore
  • Online and mobile banking available
More info + $0/$20/$30 month
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
Explore
5
8.5
Explore
  • Fee-free ATMs at 15,000 locations
More info + $0 – $15

Why is it important to open a business bank account?

Opening a dedicated bank account is an essential investment for small business owners who are looking to grow their firm. Not only does it provide a more organized system of tracking income and expenditure, but it also allows for a much more professional financial image and keeps personal and company funds separate.

Having such a resource in place is invaluable when it comes to understanding where the business stands financially while preventing any confusion between personal and professional money. This will ensure smoother operations over time and will aid in the continued success and growth of the business.

Why is it important to open a business bank account?

Opening a dedicated bank account is an essential investment for small business owners who are looking to grow their firm. Not only does it provide a more organized system of tracking income and expenditure, but it also allows for a much more professional financial image and keeps personal and company funds separate.

Having such a resource in place is invaluable when it comes to understanding where the business stands financially while preventing any confusion between personal and professional money. This will ensure smoother operations over time and will aid in the continued success and growth of the business.

Top 3 Business Checking Accounts

Find the best fit for your business

9.8
All your business banking in one platformVist site
9.5
Business banking that sets you up for successVist site
9.1
Banking built for the self-employedVist site

Customer Experiences

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.
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.
It was the easiest account setup I have ever experienced! Found is the best banking for small businesses I have ever seen.
J
Joe Pangelinan
May 24, 2024
This was the easiest and most cost effective way to establish a business account.
M
Mary D
May 24, 2024
Love Found. The UI is so much better than Chase and the pockets feature has been so helpful in helping me budget.
J
Justin & Cassie Fitzpatrick
May 16, 2024
I have experienced very positive interaction with Found. I was taking a business through a quick transition and this account was very user friendly and easy to navigate.
G
Gwendolyn
Jun 1, 2024

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.

FAQ

What’s required to open a business checking account?
Each business banking provider has specific requirements for opening a business checking account. The most crucial consideration is the existence of a de facto business. Clients must present an EIN, business incorporation information, and meet age requirement of 18+. US-based clients should present SSN (Social Security Number), a valid mobile number, and ID verification.
When is the right time to transition to a business checking account?
Business checking accounts are required for transaction purposes. As your business starts growing beyond a one-man operation, a business checking account becomes an invaluable resource. There may need to transition to a business checking account for many reasons, notably an uptick in recurring internal transfers. Other need may occur as a growing number of employees need access to business banking services, enhanced security, oversight, and control functions for management.
What would protect my business checking account from theft?
Business listed on our site are under FDIC protection against loss, theft, or bank closure. Fund are protected for up to $250,000.
Other security measures to be aware of include SSL encryption, and multifactor authentication.
 
Some brands like Relay and Bluevine offers extra security feature that allows Secure access for collaboration with accountants and team members.
What’s the difference between a personal and a business checking account?
Personal accounts are for personal use, while business accounts are for business use. Business checking accounts designed to manage incoming and outgoing funds transfers. By contrast, a personal checking account is used for managing non-business funds only.

FAQ

What’s required to open a business checking account?
Accordeon button
Each business banking provider has specific requirements for opening a business checking account. The most crucial consideration is the existence of a de facto business. Clients must present an EIN, business incorporation information, and meet age requirement of 18+. US-based clients should present SSN (Social Security Number), a valid mobile number, and ID verification.
When is the right time to transition to a business checking account?
Accordeon button
Business checking accounts are required for transaction purposes. As your business starts growing beyond a one-man operation, a business checking account becomes an invaluable resource. There may need to transition to a business checking account for many reasons, notably an uptick in recurring internal transfers. Other need may occur as a growing number of employees need access to business banking services, enhanced security, oversight, and control functions for management.
What would protect my business checking account from theft?
Accordeon button
Business listed on our site are under FDIC protection against loss, theft, or bank closure. Fund are protected for up to $250,000.
Other security measures to be aware of include SSL encryption, and multifactor authentication.
 
Some brands like Relay and Bluevine offers extra security feature that allows Secure access for collaboration with accountants and team members.
What’s the difference between a personal and a business checking account?
Accordeon button
Personal accounts are for personal use, while business accounts are for business use. Business checking accounts designed to manage incoming and outgoing funds transfers. By contrast, a personal checking account is used for managing non-business funds only.