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Best Business Checking Accounts – USA

Best Business Checking Accounts

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USA – mai 2024
  • 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 mai 2024
  • No paperwork, FDIC insured banks
  • Low or no fees on all transactions
  • Perfect for small businesses
Déclaration de l’annonceur

Déclaration de l’annonceur

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Banques d’entreprises Tarifs Carte Réglementation Principaux avantages Note Ouvrir un compte
Free plan Plus NorthOne Debit Mastercard
FDIC
  • Quick payments: Automated Bill Hub, Same-Day ACH
  • SMBs & teams friendly, cards for every owner
  • Real time insights & sales tracking in 3 steps
 9.8
Visiter le site
Northone 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
northone.com
$15 / $30 / $95
monthly fee Plus 		Chase Debit Visa
FDIC
  • Fee-free ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
 9.5
Visiter le site
Avis sur Chase

Paiements

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

Outils de comptabilité

  • close-mark-black Accounting integration
  • green-check-mark Bill Pay
  • green-check-mark Payment processing
  • close-mark-black Invoicing

Fonctions de sécurité

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

Accès au compte

Based on 1,474 reviews
chase.com
$9 / $20 / $35
According to plan Plus 		Lili Debit Visa
FDIC
  • Automated tax saving system
  • Expanse tracking feature & recipt scanner
 9.1
Visiter le site
Lili's screenshot
Avis sur Lili

Paiements

Domestic Transfers
  • Free ACH Bank Transfer
International Transfers
  • Free debit transactions

Outils de comptabilité

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark QuickBooks, Venmo & more

Fonctions de sécurité

  • Deposits are insured up to $250,000 via Choice Financial Group, Member FDIC

Accès au compte

Based on 2,481 reviews
lili.co
Free plan Plus Divvy Visa Business Card
FDIC
  • Rewards on Business purchases
  • Spend management card
8.8
Visiter le site
Divvy site
Avis sur Divvy

Paiements

Card type
  • VISA Business
Domestic Transfers
  • Free
Rewards
  • Restaurants, hotels, software subscriptions

Outils de comptabilité

  • green-check-mark Expense Managements
  • green-check-mark Accounting integration
  • green-check-mark Invoicing

Fonctions de sécurité

  • Card issued by Cross River Bank, member FDIC

Accès au compte

Based on 145 reviews
getdivvy.com
$10 Per month
$5k min. balance Plus 		Axos Debit Visa
Axos card
FDIC
  • Unlimited domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
 8.5
Visiter le site
Avis sur Axos Bank

Paiements

Cash Deposits
  • N/A
Minimum opening deposit
  • $100
Domestic Transfers
  • Free ACH transfers
  • $15 for outgoing wire transfers
International Transfers
  • $50 for outgoing international wire transfer

Outils de comptabilité

  • green-check-mark Savings tools
  • green-check-mark Bill pay
  • close-mark-black Expense Management
  • close-mark-black Invoicing
  • green-check-mark QuickBooks integration

Fonctions de sécurité

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

Accès au compte

Based on 119 reviews
axosbank.com
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400
Note 9.8
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
1
9.8
Visiter le site
  • Quick payments: Automated Bill Hub, Same-Day ACH
  • SMBs & teams -friendly, debit cards for every owne
Plus + Free Plan
Note 9.5
Avis sur Chase
Réglementation FDIC
Tarifs $15 / $30 / $95
According to plan
Comptes
  • USD
Based on 1,474 reviews
Principaux avantages
  • 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
Visiter le site
2
9.5
Visiter le site
  • Fee-free Chase ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
Plus + $15/$30/$95 month
Note 9.1
Avis sur Lili
Réglementation FDIC
Tarifs Free Plan
Comptes
  • USD
Based on 2,481 reviews
Principaux avantages
  • No monthly fee and no minimum balance
  • Free cash withdrawal at 38,000+ locations
  • Real-time transaction notifications
  • Human-powered customer service
  • Integrates with multiple apps including: Stripe, Shopify, Etsy, Paypal, Quickbooks, Freshbooks, Xero, and more
  • Pro plan for $9/month including: fee-free overdraft up to $200, automatic savings with 1.5% APY, invoicing software
Visiter le site
3
9.1
Visiter le site
  • Automated tax saving system
  • Expanse tracking feature & recipt scanner
Plus + Free Plan
Note 8.8
Avis sur Divvy
Réglementation FDIC
Tarifs Free plan
Comptes
  • USD
Based on 145 reviews
Principaux avantages
  • As many physical & virtual card as you need
Visiter le site
4
8.8
Visiter le site
  • Rewards on Business purchases
  • Spend management card
Plus +
Note 8.5
Avis sur Axos Bank
Réglementation FDIC
Tarifs $10/month
$5K min. balance
Comptes
  • USD
Axos card
Based on 119 reviews
Principaux avantages
  • Waive monthly fee with minimum average daily balance of at least $5k
  • Cash deposits via MoneyPass and AllPoint networks
  • $100 minimum opening deposit
  • First set of 50 checks free
  • QuickBooks integration
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400
Visiter le site
5
8.5
Visiter le site
  • Domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
Plus + $10/month
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400

Why is it Important to Open a Business Bank Account?

A personal bank account is not intended to confer the same benefits as a business bank account. As a freelancer, sole trader, partnership, or corporation, it’s important to establish a separate identity for your business. Personal accounts are not geared towards business activity. For privacy reasons, your personal account should not be mixed with your business activity.

Debtors, creditors and their banking institutions are much more comfortable dealing with business to business accounts for transactions processing purposes, taxes and invoices. A business bank account establishes credibility, professionalism, and trust. When payroll is needed, a business bank account is a must-have. Separation of personal and business finances is always recommended, especially when business debit cards and/or credit cards are issued to company personnel.

Tax reporting is significantly easier to manage with a business bank account. When a personal account is used for business activity, co-mingling of income and expenses takes place. This complicates matters. Besides, business bank accounts make it much easier for you to effectively control incomes and expenses with your business.

Why is it Important to Open a Business Bank Account?

A personal bank account is not intended to confer the same benefits as a business bank account. As a freelancer, sole trader, partnership, or corporation, it’s important to establish a separate identity for your business. Personal accounts are not geared towards business activity. For privacy reasons, your personal account should not be mixed with your business activity.

Debtors, creditors and their banking institutions are much more comfortable dealing with business to business accounts for transactions processing purposes, taxes and invoices. A business bank account establishes credibility, professionalism, and trust. When payroll is needed, a business bank account is a must-have. Separation of personal and business finances is always recommended, especially when business debit cards and/or credit cards are issued to company personnel.

Tax reporting is significantly easier to manage with a business bank account. When a personal account is used for business activity, co-mingling of income and expenses takes place. This complicates matters. Besides, business bank accounts make it much easier for you to effectively control incomes and expenses with your business.

How Do I Compare & Choose the Best Bank account for My Business?

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. Note that fees may vary depending on the plan you choose (free plans will often incur higher fees than premium plans).
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. Check for regulations such as FCA (Financial Conduct Authority) or the FCS (Financial Compensation Scheme) in the UK & FIN-FSA, BaFin, DNB, ECB & ACPR in Europe.
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. For example, Qonto integrates with Sage and QuickBooks.
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 Do I Compare & Choose the Best Bank account for My Business?

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. Note that fees may vary depending on the plan you choose (free plans will often incur higher fees than premium plans).
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. Check for regulations such as FCA (Financial Conduct Authority) or the FCS (Financial Compensation Scheme) in the UK & FIN-FSA, BaFin, DNB, ECB & ACPR in Europe.
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. For example, Qonto integrates with Sage and QuickBooks.
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.