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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – Juli 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 Juli 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 Found Debit Mastercard
FDIC
  • Auto expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
  • No monthly fees, NSF, or min balances
9.8
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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
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Free plan More info Mercury Debit Mastercard
FDIC
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
9.5
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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.

Mercury is a fintech company, not an FDIC-insured bank. Checking and savings accounts are provided through our bank partners Choice Financial Group, Column
N.A., and Evolve Bank & Trust; Members FDIC. Deposit insurance covers the failure of an insured bank. Checking and savings account deposits may be held by sweep
network banks. Certain conditions must be satisfied for pass-through insurance to apply.

Kontozugriff

Based on 1 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
9.1
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US Bank Screenshot
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 1 reviews
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Free plan More info Relay Debit Visa
FDIC
  • Get 1.03%-3.03% APY & up to $3M in FDIC coverage
  • Open multiple individual business accounts
8.8
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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
8.5
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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
Visit Site
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
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Our Top Choice
1
9.8
Seite besuchen
  • Auto expense tracking for self-employed
More info + Free Plan
Punkte 9.5
Mercury bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 1 reviews
Based on 1 reviews
Benefits
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
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2
9.5
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  • Up to 4.44% yield on your savings
More info + Free Plan
Punkte 9.1
U.S. Bank bewertung
Regulierung FDIC
Monthly Fees $0 / $20 / $30
monthly fee
Konten
Based on 1 reviews
Based on 1 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.

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3
9.1
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  • Manage payables and move funds quickly
More info + $0/$20/$30 month
Punkte 8.8
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
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4
8.8
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  • Best-in-class accounting integrations
More info + Free Plan
Punkte 8.5
NorthOne bewertung
Regulierung FDIC
Monthly Fees Free Plan
Konten
  • USD
Based on 159 reviews
Benefits
  • 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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5
8.5
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  • Quick payments: Automated Bill Hub, Same-Day ACH
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.

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.