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Best Business Savings Accounts – USA

Best Business Savings Accounts

Savings Accounts for – Small businesses & freelancers

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USA – mai 2024
  • 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 mai 2024
  • 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

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 APY Benefits Note
Free plan More info 4.75%
  • Gain 4.75% APY on your savings
  • 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
Mercury
$15
monthly fee More info 		4.50%
  • Fee waived with $10,000 minimum balance
  • Physical branches in over 2,000 locations
  • Earn higher interest on higher balances
 9.5
Visiter le site
Avis sur US 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 754 reviews
US Bank
Get 4.50% bonus interest on new Platinum Business Money Market accounts
Free plan More info 4.0%
  • Open online account in minutes
  • 4.0% APY with zero monthly fees
 9.1
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
Live Oak
$10 Per month
$5k min. balance More info 		up to 1.01%
  • Unlimited domestic ATM fee reimbursements
  • No monthly maintenance fees
 8.8
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
Free plan More info 1%-3%
  • Get up to 3% APY in your savings
  • Get personalized customer support by email
 8.5
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.
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
Relay
$15 / $30 / $95
monthly fee More info 		0.01%
  • Fee-free ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
 8.2
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
Free plan More info Up to 4.25%
  • Earn 2%- 4.25% APY on balances up to $3M
  • Quick & easy migration of existing bank accounts
 7.9
Visiter le site
Bluevine Review

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
Bluevine
Note 9.8
Avis sur Mercury
APY 4.75%
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
Visiter le site
1
9.8
Visiter le site
  • Unlimited fee-free transactions
  • Venture debt loans available for startups
More info + Free Plan
Note 9.5
Avis sur US Bank
APY 4.50%
Monthly Fees $0 / $20 / $30
monthly fee
Comptes
  • Fee waived with $10,000 minimum balance
  • Physical branches in over 2,000 locations
Based on 754 reviews
Benefits
  • 4.5% APY 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
Get 4.50% bonus interest on new Platinum Business Money Market accounts
Visiter le site
2
9.5
Visiter le site
  • Online and mobile banking available
  • Physical branches in over 2,000 locations
More info + $0/$20/$30 month
Get 4.50% bonus interest on new Platinum Business Money Market accounts
Note 9.1
Avis sur Live Oak
APY 4.0%
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
Visiter le site
3
9.1
Visiter le site
  • Open online account in minutes
  • 4.0% APY with zero monthly fees
More info + Free plan
Note 8.8
Avis sur Axos Bank
APY up to 1.01%
Monthly Fees $10/month
$5K min. balance
Comptes
  • USD
Axos card
Based on 119 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
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400
Visiter le site
4
8.8
Visiter le site
  • Domestic ATM fee reimbursements
  • Eligible customers earn 1.01% APY up to $50k
More info + $10/month
Maintain a min daily average balance of $50k and get up to $400 with promo code NEW400
Note 8.5
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
5
8.5
Visiter le site
  • Get up to 3% APY in your savings
  • Get personalized customer support by email
More info + Free Plan
Note 8.2
Avis sur Chase
APY 0.01%
Monthly Fees $15 / $30 / $95
According to plan
Comptes
  • USD
Based on 1,474 reviews
Benefits
  • 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
6
8.2
Visiter le site
  • Fee-free Chase ATMs at 15,000 locations
  • Same-day cash deposits at no additional cost
More info + $15/$30/$95 month
Note 7.9
Bluevine Review
APY Up to 4.25%
Monthly Fees Free Plan
Comptes

USD

Based on 7,503 reviews
Benefits
  • Business loans are available up to $250K
  • Up to 5 sub-accounts with unique account no.
  • Dedicated secure access for team members
  • Automated payment for vendors
  • Wire transfers to 26 countries outside of the U.S
  • Paper checkbooks available
  • Unlimited transactions
  • Checkbooks, cash deposit & no-fee ATMs in 37,000 locations
Visiter le site
7
7.9
Visiter le site
  • Earn 2%- 4.25% APY on balances up to $3M
  • Quick & easy migration of existing bank accounts
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.

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.
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 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.
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.