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Best Business Online Checking Accounts – USA

Best Business Online Checking Accounts

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USA – August 2025
  • Ideal for all kinds of businesses: small businesses, startups, entrepreneurs, freelancers, independent professionals, and enterprises.
  • All options are secure and FDIC-insured with 0 monthly fees, backed by trusted financial institutions.
  • Compare fees, features, and benefits to find the perfect fit for your business and maximize savings. Open your account today!
Last Updated August 2025
  • Ideal for all kinds of businesses
  • All options are secure and FDIC-insured
  • Compare fees & benefits to maximize savings.
Advertiser Disclosure

Advertiser Disclosure

Business Banks FDIC Insured Amount Benefits Score
$250K More info
  • Earn up to 1.25% cashback
  • Track expenses, and simplify accounting
  • 24/7 customer support and zero ACH fees
9.8
Open Account Visit Site
Rho Review

Payments

Checking Account Minimum

No minimum fee

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

1%

Wire Recall Fee

$30

Accounting Tools

  • 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

Security Features

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.

Account Access

Based on 21 reviews
Visit Site
$3M More info
  • Earn Up to 3.7% APY
  • Business loans are available up to $250K
  • Free ACH and incoming wire transfers
9.5
Visit Site
Bluevine Review

Payments

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

Accounting Tools

  • green-check-mark Bill pay
  • green-check-mark Free unlimited invoicing
  • green-check-mark Expense Management
  • green-check-mark Payment approvals

Security Features

  • Deposits up to $3,000,000 are insured by Coastal Community Bank; Member FDIC and their program banks.

Account Access

Based on 8,232 reviews
Visit Site
$5M More info
  • Get $250 cash when you deposit $10K within your first 90 days.
  • Unlimited fee-free transaction
9.1
Visit Site
Mercury Review

Payments

Cards
  • Mercury Debit Mastercard
  • IO Credit Mastercard
Domestic wires
  • Free
USD international wires
  • Free
Currency exchange
  • 1% rate

Accounting Tools

  • green-check-mark Accounting integration
  • green-check-mark Money management

Security Features

    • 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.

    • Account Access

    Based on 1,699 reviews
    Visit Site
    $250K More info
    • Fee-free ATMs at 15,000 locations
    • Save time & manage cash flow effortlessly
    8.8
    Visit Site
    Chase Review

    Payments

    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

    Accounting Tools

    • green-check-mark Bill Pay
    • green-check-mark Payment processing

    Security Features

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

    Account Access

    Based on 9,856 reviews
    Visit Site
    $250K More info
    • Quick payments: Bill Hub, Same-Day ACH
    • SMBs & teams friendly, cards for every owner
    8.5
    Visit Site
    NorthOne Review

    Payments

    Card type
    • Mastercard Business debit
    Checks
    • Deposit checks from phone/web
    • Send a check via mail
    Fee free
    • ACH | deposits | transfers | purchases

    Accounting Tools

    • green-check-mark QuickBooks
    • green-check-mark FreshBooks
    • green-check-mark Patriot
    • green-check-mark Zoho Books

    Security Features

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

    Account Access

    Based on 159 reviews
    Visit Site
    $250K More info
    • Full-featured business checking
    • Built-in bookkeeping and Smart tax tools
    8.2
    Visit Site
    Found Review

    Payments

    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

    Accounting Tools

    • 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

    Security Features

    • 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.

    Account Access

    Based on 265 reviews
    Visit Site
    Score 9.8
    Rho Review
    Regulation FDIC
    FDIC Insured Amount $250K
    Accounts

    USD

    Based on 21 reviews
    Benefits
    • Same-Day ACH, wires, and checks – $0
    • No minimum fee
    • Foreign currency transfer – $1
    • Wire recall fee – $30
    Visit Site
    1
    9.8
    Visit Site
    • Track expenses, and simplify accounting
    More info + Free Plan
    Score 9.5
    Bluevine Review
    Regulation FDIC
    FDIC Insured Amount $3M
    Accounts
    • USD
    Based on 8,232 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
    Visit Site
    2
    9.5
    Visit Site
    • Get 1.5% APY and $3M in FDIC coverage
    More info + Free Plan
    Score 9.1
    Mercury Review
    Regulation FDIC
    FDIC Insured Amount $5M
    Accounts
    • USD
    Based on 1,699 reviews
    Benefits
    • Free domestic and international wire transfers
    • No monthly fees, transaction fees or minimum opening deposit
    Visit Site
    3
    9.1
    Visit Site
    • Up to 4.44% yield with Mercury Treasury
    More info + Free Plan
    Score 8.8
    Chase Review
    Regulation FDIC
    FDIC Insured Amount $250K
    Accounts
    • USD
    Based on 9,856 reviews
    Benefits
    • Small Business Loans origination fee – $0
    • Accounting Tools: Bill Pay, Payment Processing

     

    • Domestic Wire Transfers:
    • Incoming – $15
    • Outgoing – $25/$35

     

    • International Wire Transfers:
    • Incoming – $15
    • Outgoing – $40
    Visit Site
    4
    8.8
    Visit Site
    • Fee-free ATMs at 15,000 locations
    More info + $0 – $15
    Score 8.5
    NorthOne Review
    Regulation FDIC
    FDIC Insured Amount $250K
    Accounts
    • USD
    Based on 159 reviews
    Benefits
    • 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
    Visit Site
    5
    8.5
    Visit Site
    • Quick payments: Automated Bill Hub, Same-Day ACH
    More info + Free Plan
    Score 8.2
    Found Review
    Regulation FDIC
    FDIC Insured Amount $250K
    Accounts

    USD

    Based on 265 reviews
    Benefits
    • No credit check needed
    • No NSF or minimum balance
    • Free ACH transfers
    • Unlimited transactions
    • Incoming Wire available domestically
    • Automatic expense tracking
    • Built-in tax calculator and tax-saving tools
    • Unlimited customizable invoices
    • Cash deposit and withdrawal available at 79,000 locations
    • Integrates with multiple apps including: Stripe, Square, Paypal, Venmo, Cash App, and more.
    • Deposits up to $250k are insured by Piermont Bank; Member FDIC
    Visit Site
    6
    8.2
    Visit Site
    • Auto expense tracking for self-employed
    More info + Free Plan

    Our Top Choice

    • Earn up to 1.25% cashback
    • Track expenses, and simplify accounting
    • 24/7 customer support and zero ACH fees
    		 9.8
    Open Account

    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.

    Top 3 Business Checking Accounts

    Find the best fit for your business

    9.8
    Operate your business with ease, not fees.Vist site
    9.5
    Business banking that sets you up for successVist site
    9.1
    Business bank accounts for the runway aheadVist site

    Customer Experiences

    My company has been using Rho for about two and a half years and we have had an amazing experience. Why you should think about using Rho: – They gave us a much higher limit than other credit card providers. – It was a very easy o…
    S
    Sarah Green
    Apr 27, 2024
    Having tried a few different banking providers, I have found Rho to be best-in-class not just on feature functionality but also on customer servicing. Onboarding was super fast and the team was there for us every step of the way. Love…
    R
    Rohan
    May 24, 2024
    We use RHO for our business and the ease of operation for expense tracking, coding and accountability has been exceptional.
    k
    kathryn henderson
    Aug 9, 2023
    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.
    Bluevine has a clean and simple dashboard with smooth features. I am using it for the business checking account as well as paying subcontractors via ACH. Very useful. ALSO and probably MOST IMPORTANTLY, their chat support is fantastic…
    S
    Spencer Ingram
    Jan 5, 2024
    As a self-employed freelancer, Bluevine takes care of all of my basic needs. I can track my income, send contractors payments, send bills, export monthly reports, issue/receive 1099s, and the menu is all in one column. Very easy to us…
    J
    Juliet Peterman
    Jan 4, 2024
    Hands down the best app for LLC banking purely online
    B
    Brian Fiederlein
    Jun 10, 2023
    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.
    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

    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.