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Best Business Savings Accounts – USA

Best Business Savings Accounts

Savings Accounts for – Small businesses & freelancers

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USA – janvier 2025
  • Compare and choose the best business savings provider for you
  • Find the highest APY with the lowest fees
  • All services are FDIC insured
Last Updated janvier 2025
  • Compare and choose the best business savings provider for you
  • Find the highest APY with the lowest fees
  • All services are FDIC insured
Déclaration de l’annonceur

Déclaration de l’annonceur

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Banques d’entreprises Monthly Fees APY Benefits Note
Free plan More info 4.61%
  • Mercury Treasury – gain up to 4.61% yield on idle cash
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
 9.8
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 764 reviews
Visit Site
Special Offer: Deposit $10K within your first 90 days and get $250 cash
Free plan More info 3.70%
  • Open online account in minutes
  • 3.70% APY with zero monthly fees
  • Dedicated and personalized customer service
 9.5
Visiter le site
Avis sur Live Oak

Paiements

Monthly Fees

$0

Min. Daily Balance

$0

Min. Opening Deposit

$0

Outils de comptabilité

  • green-check-mark Quickbooks

Fonctions de sécurité

  • Deposits are insured up to $250,000 by Live Oak bank, Member FDIC

Accès au compte

Based on 308 reviews
Visit Site
Special Offer: Earn a $200 cash bonus for opening a business savings account
$15
monthly fee More info 		Up to 3.56%
  • Fee waived with $10,000 minimum balance
  • Physical branches in over 2,000 locations
 9.1
Visiter le site
Avis sur U.S. Bank

Paiements

ATM access

Yes

Checking account link

Can be linked to your U.S. Bank business checking account for overdraft protection

Opening deposit

$100 minimum opening deposit

Outils de comptabilité

  • green-check-mark Invoicing
  • green-check-mark Checking
  • green-check-mark Billpay

Fonctions de sécurité

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

Accès au compte

Based on 1 reviews
Visit Site
No monthly fees More info Up to 2.25%
  • Generate 2.25% yield with Rho Treasury
  • 24/7 customer support available
 8.8
Visiter le site
Avis sur Rho

Paiements

Minimum Deposit Requirement

No minimum required

Monthly Subscription Fees

$0

Checking Account Minimum

$0

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

Savings account services and up to $75M in FDIC insurance provided by American Deposit Management Co. and its partner banks.

Accès au compte

Based on 21 reviews
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Free Plan More info up to 4.01%
  • Free domestic and international incoming wires
  • No monthly maintenance fee
 8.5
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Avis sur Axos

Paiements

Monthly Fees

Free

Average Daily Balance

Not required

Min Opening Deposit

$0

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 1 reviews
Visit Site
Free plan More info 1%-3%
  • Get up to 3% APY in your savings
  • Get personalized customer support by email
 8.2
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
Note 9.8
Avis sur Mercury
APY 4.61%
Monthly Fees Free Plan
Comptes
  • USD
Based on 764 reviews
Benefits
  • Free domestic and international wire transfers
  • No monthly fees, transaction fees or minimum opening deposit
Get $250 cash when deposit $10K in the first 90 days
Visiter le site
Our Top Choice
1
9.8
Visiter le site
  • Gain 4.61% yield on your idle cash
  • Venture debt loans available for startups
More info + Free Plan
Get $250 cash when deposit $10K in the first 90 days
Note 9.5
Avis sur Live Oak
APY 3.70%
Monthly Fees Free plan
Comptes
  • USD
Based on 308 reviews
Benefits
  • Human-powered support
  • No fees on incoming wire transfers
  • No account opening or monthly maintenance fees
  • Access over 55,000 free in-network ATMs
  • Bill pay service available
Earn a $200 cash bonus for opening a business savings account
Visiter le site
2
9.5
Visiter le site
  • Open online account in minutes
  • 4.0% APY with zero monthly fees
More info + Free plan
Earn a $200 cash bonus for opening a business savings account
Note 9.1
Avis sur U.S. Bank
APY Up to 3.56%
Monthly Fees $15/ month
Comptes
  • +2,000 Physical branches
Based on 1 reviews
Based on 1 reviews
Benefits
  • 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
3
9.1
Visiter le site
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $15 monthly fee
Note 8.8
Avis sur Rho
APY Up to 2.25%
Monthly Fees Free Plan
Comptes

USD

Based on 21 reviews
Benefits
  • Same-Day ACH, wires, and checks – $0
  • No minimum fee
  • Foreign currency transfer – $1
  • Wire recall fee – $30
Visiter le site
4
8.8
Visiter le site
  • Track expenses, and simplify accounting
More info + Free Plan
Note 8.5
Avis sur Axos
APY up to 4.01%
Monthly Fees $10/month
$5K min. balance
Comptes
  • USD
Axos card
Based on 1 reviews
Based on 1 reviews
Benefits
  • 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
Visiter le site
5
8.5
Visiter le site
  • Domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
More info + $10/month
Note 8.2
Avis sur Relay
APY 1%-3%
Monthly Fees Free Plan
Comptes
  • USD
Based on 1,204 reviews
Benefits
  • Open up to 20 individual checking with 2 savings accounts
  • Up to 50 virtual or physical 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
6
8.2
Visiter le site
  • Get up to 3% APY in your savings
  • Get personalized customer support by email
More info + Free Plan

Why is it Beneficial to Open a Business Savings Account?

Small business owners face unique financial challenges that require careful planning and management. One essential step towards success is opening a dedicated business savings account. By separating personal and business finances, entrepreneurs can track the company’s financial standing more accurately and make informed decisions.

A business savings account also offers a range of benefits that can help entrepreneurs manage their finances and achieve their goals. For example, having a separate savings account allows entrepreneurs to allocate excess funds to investments, prepare for emergencies, and have a financial cushion during challenging times. By building a healthy savings balance, entrepreneurs can also access favorable rates and terms on loans and other financial products, making it easier to grow their business over time.

Why is it Beneficial to Open a Business Savings Account?

Small business owners face unique financial challenges that require careful planning and management. One essential step towards success is opening a dedicated business savings account. By separating personal and business finances, entrepreneurs can track the company’s financial standing more accurately and make informed decisions.

A business savings account also offers a range of benefits that can help entrepreneurs manage their finances and achieve their goals. For example, having a separate savings account allows entrepreneurs to allocate excess funds to investments, prepare for emergencies, and have a financial cushion during challenging times. By building a healthy savings balance, entrepreneurs can also access favorable rates and terms on loans and other financial products, making it easier to grow their business over time.

Top 3 Business Savings Accounts

Find the best fit for your business

9.8
Business bank accounts for the runway aheadVist site
9.5
Banking built around youVist site
9.1
Support that caters to your business checking needsVist site

Customer Experiences

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
Great high-yield savings account for our small business. Easy to sign up, transfer funds, earn interest, and connect the account to our QuickBooks for tracking.
B
Bryan
Jun 8, 2024
Live Oak are great folk! They are exceptional business partners focused on business and owners’ success.
M
Mike Harrison
Apr 18, 2024
The on-line system is very user friendly. The staff at Live Oak have helped when I needed personal attention. Their interest rates are really good for a business account.
K
Kathy
Apr 22, 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.
I have banked with US bank for 8 years now and have had an amazing experience. I love that the app is simple and easy to use
H
Hannah Noonan
May 27, 2024
I have been with U. S. Bank for years and if I have a problem they are right there to fix it. Great customer service.
W
Wonetta Miller
Jan 23, 2020
Sometimes someone does something exceptional that changes your life. An employee at a U.S. Bank branch did for me.
B
Barb Gottas
Aug 23, 2023
I have a card with them and whenever I have a question I use their online chat or rarely call. They respond in less than a minute and they are KNOWLEDGEABLE.
V
VanessaL
Jul 17, 2023

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.