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Best Accounts For Small Businesses – USA

Best Checking Accounts For Small Businesses

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USA – janvier 2025
  • No paperwork, fast approval & automated accounting from FDIC insured US banks
  • Save money with low or no fees on transactions
  • Perfect for small businesses & freelancers
Last Updated janvier 2025
  • No paperwork, FDIC insured banks
  • Low or no fees on all transactions
  • Perfect for small businesses
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.

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Banques d’entreprises Tarifs Carte Réglementation Principaux avantages Note Ouvrir un compte
Free plan More info Relay Debit Visa
FDIC
  • Get 3.76% APY and up to $3M in FDIC coverage
  • Apply in 10 min & Join over 100,000 businesses
  • Best-in-class integrations & 24/7 support
 9.8
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

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
  • Real time insights & sales tracking in 3 steps
 9.5
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

Based on 159 reviews
Visit Site
Free plan More info Mercury Debit Mastercard
FDIC
  • Up to 4.61% yield on your savings
  • Unlimited fee-free transactions
 9.1
Visiter le site
Avis sur Mercury

Paiements

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

Outils de comptabilité

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

Fonctions de sécurité

  • Deposits up to $5,000,000 are insured by Choice Financial Group and Evolve Bank & Trust; Members FDIC.

Accès au compte

Based on 5,900 ratings
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 Found Debit Mastercard
FDIC
  • Auto expense tracking for self-employed
  • Built-in tax calculator and tax-saving tools
 8.5
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

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
 8.2
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

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

Based on 44,200 reviews
Visit Site
Note 9.8
Avis sur Relay
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Based on 1,204 reviews
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
Our top choice
1
9.8
Visiter le site
  • 3.76% APY and up to $3M in FDIC coverage
  • Apply in 10 min & Join over 100K businesses
More info + Free Plan
Note 9.5
Avis sur NorthOne
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Based on 159 reviews
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
2
9.5
Visiter le site
  • Quick payments: Automated Bill Hub, Same-Day ACH
More info + Free Plan
Note 9.1
Avis sur Mercury
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Based on 5,900 reviews
Principaux avantages
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
Visiter le site
3
9.1
Visiter le site
  • Up to 4.61% yield on your savings
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 Found
Réglementation FDIC
Tarifs Free Plan
Comptes

USD

Based on 265 reviews
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
Best for self-employed
5
8.5
Visiter le site
  • Auto expense tracking for self-employed
More info + Free Plan
Note 8.2
Avis sur U.S. Bank
Réglementation FDIC
Tarifs $0 / $20 / $30
monthly fee
Comptes
Based on 1,700 reviews
Based on 44,200 reviews
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
6
8.2
Visiter le site
  • Online and mobile banking available
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.

Top 3 Business Checking Accounts

Find the best fit for your business

9.8
Beyond the business banking basics just for youVist site
9.5
Give your business every advantageVist site
9.1
Business bank accounts for the runway aheadVist site

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.
Northone is the ideal business banking account for entrepreneurs just starting out. The services are great.
S
Sam Douglas
Aug 29, 2023
The product is easy to use and administer. The company is releasing very useful updates and features regularly and listens to it’s users for future feature development.
p
pmpalash
Dec 5, 2023
Great solution for businesses with multiple offices, it’s Simple & easy to use and has lots of great tools. The transition was quick & simple & customer service is very helpful.
S
Shai Medalsy
May 1, 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.
Mercury was very easy to set up, use and until now it’s been very clear about everything. I’m happy to have chosen this as my first bank for this company.
F
Felipe Franz
Jan 5, 2024
As an entrepreneur and startup founder, I cannot emphasize enough how much Mercury will be a game-changer for start-up and small business.
D
David
Apr 28, 2023
Easy to open account. Very smooth communications and prompt response to queries. Efficient sending money via international wire transfers and ACH.
K
Keith
May 28, 2024
Can’t recommend the bank and app enough. the app can do do everything the web app can do which is really nice for being on the go
J
Jacin Lowe
Jan 24, 2024

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.