Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – août 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 août 2025
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs & self-employed.

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!
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Banques d’entreprises FDIC Insured Amount Benefits Note
Free plan More info
  • Up to 3.7% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Issue debit cards with daily and monthly spending limits
9.8

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

Based on 8,232 reviews
Exclusive Offer: Open a new Bluevine Business Checking account and earn a $300 cash bonus
Free plan More info
  • Get 1.03%-3.03% APY & up to $3M in FDIC coverage
  • Open multiple individual business accounts
  • Customer support available 24/7
9.5

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
$0 / $20 / $30
monthly fee More info
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
9.1

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

Based on 1 reviews
Earn a $500 bonus when you open a U.S. Bank Business Essentials Account or $900 when you open a Platinum Business Checking Account. Terms Apply. Member FDIC.
Free plan More info
  • Auto expense tracking for small businesses
  • Built-in tax calculator and tax-saving tools
8.8

Paiements

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

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 Lead Bank; Member FDIC

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

Accès au compte

Based on 265 reviews
Free plan More info
  • Earn up to 1.80% APY and 1% Cash Back
  • Unlimited transactions and no monthly fees
8.5

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
Free plan More info
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transactions
8.2

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.

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.

Accès au compte

Based on 5,900 reviews
Free plan More info
  • Automated rent collection, receive direct deposits directly into your bank account.
  • Create unlimited accounts for each property, security deposits, rehab savings and more.
7.9

Paiements

Effortless Rent Collection

Streamline your workflow with automated rent invoices, direct deposits, and built-in bookkeeping tools

Smart Reminders & Late Fee Automation

Reduce late payments and avoid the stress—automated alerts and fees handle the follow-up for you.

Get Paid Faster

Receive rent directly in your Baselane or preferred bank account in as little as 2 days with QuickPay.

Outils de comptabilité

  • green-check-mark Easy transaction management
  • green-check-mark Rent collection on autopilot
  • green-check-mark Recurring payments & notifications
  • green-check-mark Integrations: airbnb, Vrbo, PayPal, Cash App, xero, intuit quickbooks

Fonctions de sécurité

  • Deposits up to $3M are insured by Thread Bank; Member FDIC

Accès au compte

Based on 137 reviews
$0 – $15 More info
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
7.5

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
No monthly fees More info
  • Earn up to 1.25% cashback
  • Track expenses, and simplify accounting
7.2

Paiements

Checking Account Minimum

No minimum fee

Fee Free
  • Same-Day ACH
  • Wires
  • Checks
Foreign currency transfer

1%

Wire Recall Fee

$30

Outils de comptabilité

  • green-check-mark QuickBooks
  • green-check-mark NetSuite
  • green-check-mark Xero
  • green-check-mark Sage Intacct
  • green-check-mark Puzzle
  • green-check-mark Campfire

Fonctions de sécurité

Rho is a fintech company, not a bank or an FDIC-insured depository institution. Checking account and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.

Accès au compte

Based on 21 reviews
1
  • Up to 3.7% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
More info + Free Plan
Exclusive Offer: Earn a $300 cash bonus
2
  • Get 1-3.76% APY and up to $3M in FDIC coverage
More info + Free Plan
3
  • Online and mobile banking available
More info + $0/$20/$30 month
Earn a $500 bonus when you open a U.S. Bank Business Essentials Account or $900 when you open a Platinum Business Checking Account. Terms Apply. Member FDIC.
4
  • Auto expense tracking for self-employed
More info + Free Plan
5
  • Earn up to 1.80% APY and 1% Cash Back
More info + Free Plan
6
  • Up to 4.44% yield with Mercury Treasury
More info + Free Plan
7
  • Earn $150 Welcome Bonus
More info + Free Plan
8
  • Fee-free ATMs at 15,000 locations
More info + $0 – $15
9
  • Track expenses, and simplify accounting
More info + Free Plan

Our Top Choice

  • Up to 3.7% APY and $3M in FDIC coverage
  • Business Loans are available up to $250K
  • Issue debit cards with daily and monthly spending limits
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.