Best Checking Accounts for LLCs – USA

Best Checking Accounts for LLCs

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USA – septembre 2024
  • 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 septembre 2024
  • All accounts are FDIC insured.
  • Compare fees to save costs.
  • Suitable for SMBs, freelancers & 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.

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Banques d’entreprises Monthly Fees Carte Réglementation Benefits Note
Free plan Relay Debit Visa FDIC
  • Best-in-class accounting integrations
  • Open multiple individual business accounts
  • 24/7 support from knowledgeable specialists
More info
9.8

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.
Withdrawls are fee-free on any ATM

Check

Recieve: Check scanner
Send: Mailed for you 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
Free plan Bluevine Debit Mastercard FDIC
  • 2.0% APY on positive balance up to $250k
  • Quick & easy migration of existing accounts
  • Business loans are available up to $250k
More info
9.5

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

Recieve: 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 7,503 reviews
Free plan Novo Debit Mastercard FDIC
  • Integration with 50+ automation tools
  • Free & unlimited invoicing automation
More info
9.1

Paiements

Card Type
  • Business Mastercard
Domestic Transfers

Free incoming/outgoing ACH
Free incoming wire

International Transfers

Outgoing wire Via Wise (Transferwise)

Outils de comptabilité

  • green-check-mark Expense Management
  • green-check-mark Savings tools
  • green-check-mark Bookkeeping
  • green-check-mark Invoicing
  • green-check-mark Integration with Xero, Quickbooks & Zapier

Fonctions de sécurité

  • Deposits up to $250k are insured by Middlesex Federal Savings; Member FDIC

Accès au compte

Based on 3,018 reviews
$0 – $15 Chase Debit Visa FDIC
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
More info
8.8

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
Earn $300 when opening a new Chase Business Complete Checking® account
Free plan Mercury Debit Mastercard FDIC
  • Up to 5.39% yield on your savings
  • Unlimited fee-free transactions
More info
8.5

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 764 reviews
Special Offer: Deposit $10K within your first 90 days and get $250 cash
$0 / $20 / $30
monthly fee
US bank Debit Visa FDIC
  • Available online and in over 2000 branches
  • Manage payables and move funds quickly
More info
8.2

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 754 reviews
Earn up to $800 bonus when opening a new, eligible business checking account online
Best choice overall for LLCs
1
  • Open multiple individual business accounts
  • Best-in-class accounting integrations
More info + Free Plan
2
  • 2.0% APY interest on eligible users’ balance
  • Quick & easy migration of existing bank accounts
More info + Free Plan
Best for single-member LLCs
3
  • Free & unlimited invoicing automation
  • Integration with 50+ automation tools
More info + Free Plan
4
  • Fee-free ATMs at 15,000 locations
  • Save time & manage cash flow effortlessly
More info + $0 – $15
Earn $300 when opening a new Chase Business Complete Checking® account
5
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
More info + Free Plan
Get $250 cash when deposit $10K in the first 90 days
6
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month
Up to $800 bonus for new business checking

Why is it Important to Open a Business Bank Account?

Dedicated bank accounts are a smart investment for LLC owners who want to promote growth. Such accounts provide an organized way of tracking money and create a more professional image while separating business and personal finances. Maintaining a clear understanding of your company’s financial position is paramount, and segregated accounts offer clear advantages. Establishing a discrete financial account empowers your LLC to perform better, achieve long-term success, and prevent money-related confusion.

Why is it Important to Open a Business Bank Account?

Dedicated bank accounts are a smart investment for LLC owners who want to promote growth. Such accounts provide an organized way of tracking money and create a more professional image while separating business and personal finances. Maintaining a clear understanding of your company’s financial position is paramount, and segregated accounts offer clear advantages. Establishing a discrete financial account empowers your LLC to perform better, achieve long-term success, and prevent money-related confusion.

How to Compare and Choose the Best Business Checking Account?

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.
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. FDIC regulates deposit insurance to at least $250,000
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.
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 to Compare and Choose the Best Business Checking Account?

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.
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. FDIC regulates deposit insurance to at least $250,000
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.
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.