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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – avril 2025
  • Top checking accounts for small businesses, E-commerce & freelancers.
  • All services are FDIC insured by US banking institutions.
  • Save money with low or no fees on transactions.
Last Updated avril 2025
  • Low or no fees on all transactions
  • Perfect for small businesses
  • FDIC insured banks
Déclaration de l’annonceur

Déclaration de l’annonceur

Top10BusinessBanks est une ressource en ligne gratuite destinée à aider les utilisateurs à trouver les informations dont ils ont besoin pour prendre une décision en toute confiance. Nous passons d’innombrables heures de recherche pour trouver le contenu le plus pertinent et le présenter de la manière la plus accessible. Cependant, veuillez ne pas voir les informations présentées ici comme une recommandation de notre part.

Notez s’il vous plaît:

  • Toutes les informations affichées sur ce site sont totalement subjectives. De plus, nous avons une large discrétion éditoriale quant au contenu que nous publions sur le site et pour diverses raisons, les informations que vous voyez peuvent être incomplètes et / ou inexactes. N’hésitez pas à revérifier les informations que nous fournissons. C’est bon, nous ne serons pas offensés – au contraire, nous serions ravis d’entendre vos commentaires!
  • Nous sommes en mesure d’offrir cette ressource en ligne entièrement gratuite grâce aux frais de parrainage que nous recevons de nos partenaires (certaines des entreprises répertoriées sur ce site). Bien que cela puisse affecter l’emplacement de ces entreprises et le contenu que nous proposons sur le site, il n’est pas possible d’acheter un avis favorable ou une position sur ce site.
Banques d’entreprises Tarifs Carte Réglementation Principaux avantages Note Ouvrir un compte
$15 Per month
$2K min. balance More info 		Capital One Platinum
FDIC
  • Access to in-network ATMs across the U.S
  • Unlimited transactions
 9.8
Visiter le site
Capital One ScreenShot
Avis sur Capital One

Paiements

Account Types
  • USD
International Transfers

$15 for incoming International wires, $50 for outgoing international wires.

Domestic Transfers

$15 for incoming domestic wires, $25 for outgoing domestic wires.

Outils de comptabilité

  • green-check-mark Expense Management
  • close-mark-black Bookkeeping
  • close-mark-black Invoicing

Fonctions de sécurité

  • Deposits are FDIC insured to at least $250,000

Accès au compte

Visit Site
Free plan More info Bluevine Debit Mastercard
FDIC
  • Up to 4.0% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Live support from dedicated professionals
 9.5
Visiter le site
Bluevine Review

Paiements

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

Outils de comptabilité

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

Fonctions de sécurité

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

Accès au compte

Visit Site
Free plan More info Grasshopper Debit Visa
FDIC
  • Earn up to 1.80% APY and 1% Cash Back
  • Unlimited transactions and no monthly fees
 9.1
Visiter le site
Avis sur Grasshopper

Paiements

Domestic Transfers

Free incoming and outgoing ACH and Wire Transfer

 

International Transfers
  • International Wire Out: $25
  • International Wire In: $5
Checks

Mobile Check Deposit & Mailed Checks

Debit Card

Visa Rewards Debit Card with cash back & virtual cards. Earn more with Visa SavingsEdge.

Outils de comptabilité

  • green-check-mark Quickbooks
  • green-check-mark Bill Pay
  • green-check-mark Autobooks
  • green-check-mark Plaid
  • green-check-mark Digital Invoicing
  • green-check-mark Additional tools & Integrations available

Fonctions de sécurité

  • Grasshopper, Member FDIC. Deposits are insured up to $250,000.
  • Clients also have access to enhanced FDIC insurance up to $125 million. 

Accès au compte

Based on 112 reviews
Visit Site
$0 – $15 More info Chase Debit Visa
FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
 8.8
Visiter le site
Avis sur Chase

Paiements

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

Outils de comptabilité

  • green-check-mark Bill Pay
  • green-check-mark Payment processing

Fonctions de sécurité

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

Accès au compte

Based on 9,856 reviews
Visit Site
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
 8.5
Visiter le site
Avis sur Relay

Paiements

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

 

Outils de comptabilité

  • 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

Fonctions de sécurité

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

Accès au compte

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$10 Per month
$2K min. balance More info 		PNC Visa Business Debit Card
PNC debit card
FDIC
  • $2K minimum balance to waive monthly fee
  • Minimum $100 deposit required Tto open an account
 8.2
Visiter le site
Avis sur PNC

Paiements

Account Types
  • USD
Domestic Transfers
  • incoming : $15 fee
  • outgoing: $30 fee
International Transfers
  • incoming: $15 fee
  • outgoing: $45 fee

Outils de comptabilité

  • green-check-mark Bill Pay
  • green-check-mark integration with Quickbooks for $15 per month

Fonctions de sécurité

  • Deposits are FDIC insured to at least $250,000 by PNC bank.

Accès au compte

Visit Site
Free plan More info Found Debit Mastercard
FDIC
  • Auto expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
 7.9
Visiter le site
Avis sur Found

Paiements

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

Outils de comptabilité

  • 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

Fonctions de sécurité

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

Accès au compte

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
 7.5
Visiter le site
Avis sur U.S. Bank

Paiements

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.

Outils de comptabilité

  • green-check-mark Billpay
  • green-check-mark Cash deposit
  • green-check-mark Savings
  • green-check-mark Invoicing

Fonctions de sécurité

  • Deposit products (up to $250k) offered by U.S. Bank National Association. Member FDIC

Accès au compte

Visit Site
Free plan More info NBKC Debit Mastercard
FDIC
  • Online payment options
  • No opening deposit requirement
 7.2
Visiter le site
Avis sur nbkc

Paiements

Card type
  • Business Mastercard
Domestic Transfers
  • Free Incoming Wire Transfers
  • 5$ Fee for Outgoing Wire Transfers
International Transfers
  • 45$ Fee for Incoming & Outgoing Wire Transfers

Outils de comptabilité

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • close-mark-black integration with QuickBooks, Xero, Stripe & more

Fonctions de sécurité

  • Funds deposited into the account will be eligible for up to $250,000 of FDIC insurance.

Accès au compte

Visit Site
Free plan More info NorthOne Debit Mastercard
FDIC
  • Quick payments: Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
 7.0
Visiter le site
Avis sur NorthOne

Paiements

Card type
  • Mastercard Business debit
Checks
  • Deposit checks from phone/web
  • Send a check via mail
Fee free
  • ACH | deposits | transfers | purchases

Outils de comptabilité

  • green-check-mark QuickBooks
  • green-check-mark FreshBooks
  • green-check-mark Patriot
  • green-check-mark Zoho Books

Fonctions de sécurité

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

Accès au compte

Visit Site
Note 9.8
Avis sur Capital One
Réglementation FDIC
Tarifs $15 Per month
$2K min. balance
Comptes
Principaux avantages
Visiter le site
1
9.8
Visiter le site
  • Access to over 70,000 fee-free in-network ATMs across the U.S
  • Unlimited transactions
More info + $15/month
Note 9.5
Bluevine Review
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Principaux avantages
  • 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
Visiter le site
2
9.5
Visiter le site
  • Up to 4.0% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
More info + Free Plan
Note 9.1
Avis sur Grasshopper
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Based on 112 reviews
Principaux avantages
  • Open an account online in just 5 minutes
  • Free incoming and outgoing ACH & Wire Transfer
  • Bill Pay
  • Digital Invoicing 
  • Cash Flow Management & Budgeting Tools
  • Member FDIC. Deposits insured up to $250K
  • Access to enhanced FDIC insurance up to $125M
  • Integrations with Quickbooks, Autobooks, Plaid & more
Visiter le site
Trending Now
3
9.1
Visiter le site
  • Earn up to 1.80% APY and 1% Cash Back
More info + Free Plan
Note 8.8
Avis sur Chase
Réglementation FDIC
Tarifs $0 – $15
Comptes
  • USD
Based on 9,856 reviews
Principaux avantages
  • 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
Visiter le site
4
8.8
Visiter le site
  • Fee-free ATMs at 15,000 locations
More info + $0 – $15
Note 8.5
Avis sur Relay
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Principaux avantages
  • 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
Visiter le site
5
8.5
Visiter le site
  • Get 1-3.76% APY and up to $3M in FDIC coverage
More info + Free Plan
Note 8.2
Avis sur PNC
Réglementation FDIC
Tarifs $12 Per month
Comptes
PNC debit card
Principaux avantages
  • $2,000 minimum balance
Visiter le site
6
8.2
Visiter le site
  • Up to 150 fee-free transactions per month
  • Minimum $100 deposit required when opening an account
More info + $12/month
Note 7.9
Avis sur Found
Réglementation FDIC
Tarifs Free Plan
Comptes

USD

Principaux avantages
  • 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
Visiter le site
7
7.9
Visiter le site
  • Auto expense tracking for self-employed
More info + Free Plan
Note 7.5
Avis sur U.S. Bank
Réglementation FDIC
Tarifs $0 / $20 / $30
monthly fee
Comptes
Principaux avantages
  • Up to 3.50% 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
Visiter le site
8
7.5
Visiter le site
  • Online and mobile banking available
More info + $0/$20/$30 month
Note 7.2
Avis sur nbkc
Réglementation FDIC
Tarifs Free Plan
Comptes
Principaux avantages
Visiter le site
9
7.2
Visiter le site
  • No monthly account fees or min. balance
  • No opening deposit requirement
More info + Free Plan
Note 7.0
Avis sur NorthOne
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Principaux avantages
  • 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
Visiter le site
10
7.0
Visiter le site
  • 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?

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.