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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – April 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 April 2024
  • 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
  • Integration with 50+ automation tools
  • Free & unlimited invoicing automation
  • No fees on transfers by ACH and Wire
 9.8
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
novo.co
Free plan More info Bluevine Debit Mastercard
FDIC
  • 2.0% APY on positive balance up to $250k for eligible customers
  • 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
bluevine.com
Free plan More info Found Debit Mastercard
FDIC
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
 9.1
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
$15 / $30 / $95
monthly fee More info 		Chase Debit Visa
FDIC
  • 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
FDIC
  • 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
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
Best for LLCs
1
9.8
Seite besuchen
  • Free & unlimited invoicing automation
  • Integration with 50+ automation tools
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
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 self-employed
3
9.1
Seite besuchen
  • Automatic expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
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

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.