Compare Top Online Business Accounts – USA

Compare Top Online Business Accounts

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USA – August 2025

Discover the best online business accounts with high APY, exclusive features, low fees, and powerful tools to help your business grow and thrive

Last Updated August 2025

Unlock better tools, exclusive features, and flexible solutions to help your business thrive

Advertiser Disclosure

Business Banks FDIC Insured Amount Benefits Score
$3M More info
  • Earn Up to 3.7% APY
  • Business loans are available up to $250K
  • Free ACH and incoming wire transfers
  • Automated accounts payable
Rated 4.5/5.0 based on 8,515 reviews
9.8

Payments

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

Accounting Tools

  • green-check-mark Bill pay
  • green-check-mark Free unlimited invoicing
  • green-check-mark Expense Management
  • green-check-mark Payment approvals

Security Features

  • Deposits up to $3,000,000 are insured by Coastal Community Bank; Member FDIC and their program banks.

Account Access

Based on 8,515 reviews
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
$3M More info
  • Earn Up to 3.03% APY + up to 2 savings accounts per business
  • 1.5% Cash back with credit cards
  • Open up to 20 checking accounts and 50 virtual or physical debit cards
Rated 4.5/5.0 based on 1,204 reviews
9.5

Payments

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

 

Accounting 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

Security Features

  • Deposits up to $2,500,000 are insured by the Evolve Bank & Trust and Thread Bank; Members FDIC.
  • Secure collaboration with accountants.

Account Access

Based on 1,204 reviews
$250K More info
  • Full-featured business checking
  • Built-in bookkeeping and Smart tax tools
Rated 4.5/5.0 based on 265 reviews
9.1

Payments

Domestic Transfers
  • Unlimited free ACH transfers
International Transfers

N/A

Card

Business debit Mastercard

Cash

Deposit and withdrawal available at 79,000 locations

Checks

Check scanner

Accounting 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

Security Features

  • Deposits up to $250k are insured by Lead Bank; Member FDIC

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.

Account Access

Based on 265 reviews
$5M More info
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transaction
Rated 4/5.0 based on 1,699 reviews
8.8

Payments

Cards
  • Mercury Debit Mastercard
  • IO Credit Mastercard
Domestic wires
  • Free
USD international wires
  • Free
Currency exchange
  • 1% rate

Accounting Tools

  • green-check-mark Accounting integration
  • green-check-mark Money management

Security Features

    • 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.

  • Account Access

    Based on 1,699 reviews
    High-Yield Banking
    1
    • Get 1.5% APY and $3M in FDIC coverage
    • Business loans are available up to $250K

     

    Rated 4.5/5.0 based on 8,515 reviews
    More info + Free Plan
    Exclusive Offer: Earn a $300 cash bonus
    Fee-Free Accounts
    2
    • 3.76% APY and up to $3M in FDIC coverage
    • Apply in 10 min & Join over 100K businesses
    Rated 4.5/5.0 based on 1,204 reviews
    More info + Free Plan
    Best for self-employed
    3
    • Auto expense tracking for self-employed
    Rated 4.5/5.0 based on 265 reviews
    More info + Free Plan
    Best for startups
    4
    • Up to 4.44% yield with Mercury Treasury
    Rated 4/5.0 based on 1,699 reviews
    More info + Free Plan

    Our Top Choice

    • Earn Up to 3.7% APY
    • Business loans are available up to $250K
    • Free ACH and incoming wire transfers
    • Automated accounts payable
    9.8
    Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus

    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.

    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.

    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.