Best Online Business Checking Accounts – USA
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Ideal for all kinds of businesses:
small businesses, startups, entrepreneurs, freelancers, independent professionals & enterprises.
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All options are secure and
FDIC-insured
with
0 monthly fees
, backed by trusted financial institutions.
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Compare fees, features, and benefits to find the perfect fit for your business and maximize savings.
Open your account today!
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9.8
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Bill Pay
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QuickBooks
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Xero
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Deposits up to $250,000 are insured by the Evolve Bank & Trust and Thread Bank; Members FDIC.
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Over 60 Global Licenses — Subject to oversight by financial authorities in multiple jurisdictions, reinforcing legal and security standards
Airwallex Review
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QuickBooks integration
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Bill Pay
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Deposits up to $250,000 are insured by Axos Bank, Member FDIC
Axos Review
Free plan
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9.8
Deposits available at:
55,000+ AllPoint ATMs
90,000+ Green Dot® Network partnering retailers
Withdrawals are fee-free on any ATM
Receive: Check scanner
Send: Mailed on-demand
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Bill Pay
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Savings account
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Expense management
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Integration with QuickBooks, Xero, Gusto, Yodlee and more
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Deposits up to $2,500,000 are insured by Evolve Bank & Trust and Thread Bank, Members FDIC
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Secure collaboration with accountants.
Free ACH transfers
Wire transfers available
Receive: Check scanner
Send: 2 free checkbooks
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Bill Pay
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Free Unlimited Invoicing
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Expense Management
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Payment Approvals
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Deposits up to
$3,000,000
are insured by Coastal Community Bank, Member FDIC, and their program banks.
Mercury Debit Mastercard
IO Credit Mastercard
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Accounting integrations
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Spend management
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Bill Pay
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Invoicing
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Virtual Cards
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Financial workflows
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Deposits up to $5,000,000 are insured.
Mercury Review
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8.8
Incoming: $15
Outgoing: $25/$35
Outgoing: $25 per payment
Incoming: $15
Outgoing: $40
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Bill Pay
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Payment processing
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Deposits up to $250,000 are insured by Chase Bank, Member FDIC
Chase Review
Free plan
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8.6
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Unlimited free invoicing
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Expense tracking
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Tax estimation and saving tool
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Integration with Stripe, Square, PayPal, and more
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Deposits up to $250,000 are insured by Lead Bank, Member FDIC
Our Top Choice
9.8
Top 3 Business Checking Accounts
Find the best fit for your business
Customer Experiences
I've loved the Airwallex platform for years now. The FX rates are always competitive, it's easy to use and this week when I needed tech support they were super responsive even by email.
Our company Chip Hong Farm Product had been using airwallax since mar25. Airwallex is a user-friendly platform for buying currency. The exchange rate is good. My account manager Cindy is very responsive whenever I need help. No regrets in switching to Airwallex.
Tony Lee , Airwallex bus. Relationship Manager provides overall very good support.
AirWalllex is helping to consolidate different financial solutions (banking, expenses+++), integrates with my accounting system, delivering faster and lower costs on international transfers and giving me more payment options across Asia. Perrrrrrrrrrrrrrrrrfect!
Pros & Cons
9.8
- No fees or minimum account balances.
- Option to open up to 20 separate checking accounts.
- Option to issue up to 50 physical/virtual Visa debit cards.
- Easily send/receive bank wires, checks, or ACH transfers.
- No ATM fees.
- Professional customer support via telephone and email.
- Fully integrated with world-class accounting software, payroll & HR software, including Xero, Plaid, intuit QuickBooks, and Gusto.
- Secure, automated, and tailored business banking for team members.
- Up to 2 savings accounts with up to 3% APY
- Business banking services are offered to SMBs in the US, with support offered to business owners in 200+ countries worldwide.
- No physical bank branches.
- Outgoing domestic and international wire transfers subject to $5 & $10 fees respectively. However, these fees can be waived for businesses on Relay Pro.
- Services not offered to SMBs in iGaming, cannabis, private ATM operations, or cryptocurrency exchange.
- No lending services provided – no personal loans, lines or credit, or credit cards offered.
- Telephone support is limited to weekdays between 9 AM – 5PM EST.
9.4
- No monthly fees
- No minimum balance or deposits
- Eligible customers receive 2.0% interest on balance up to 250k
- Free Standard ACH transfers
- Same-day ACH transfer for $10 fee
- Wire transfers to 32 countries outside of the U.S
- Unlimited transactions (however, all accounts are subject to the aggregated monthly deposit and withdrawal amount limit)
- Up to 5 sub-accounts with unique account numbers
- No insufficient fund fees
- Professional customer support
- $15 fee for domestic outgoing Wires
- Customer service limited to Mon-Fri
9.1
- FDIC insured up to $5M
- No minimum deposit, no monthly fees, no transaction fees
- Multiple third-party integrations
- Rapid transactions processing and seamless functionality
- Simple & elegant user-interface
- Only companies with EINs can apply
- Company founders from certain countries are excluded
- No cash deposits supported through ATMs
Pros & Cons
9.8
- No fees or minimum account balances.
- Option to open up to 20 separate checking accounts.
- Option to issue up to 50 physical/virtual Visa debit cards.
- Easily send/receive bank wires, checks, or ACH transfers.
- No ATM fees.
- Professional customer support via telephone and email.
- Fully integrated with world-class accounting software, payroll & HR software, including Xero, Plaid, intuit QuickBooks, and Gusto.
- Secure, automated, and tailored business banking for team members.
- Up to 2 savings accounts with up to 3% APY
- Business banking services are offered to SMBs in the US, with support offered to business owners in 200+ countries worldwide.
- No physical bank branches.
- Outgoing domestic and international wire transfers subject to $5 & $10 fees respectively. However, these fees can be waived for businesses on Relay Pro.
- Services not offered to SMBs in iGaming, cannabis, private ATM operations, or cryptocurrency exchange.
- No lending services provided – no personal loans, lines or credit, or credit cards offered.
- Telephone support is limited to weekdays between 9 AM – 5PM EST.
9.4
- No monthly fees
- No minimum balance or deposits
- Eligible customers receive 2.0% interest on balance up to 250k
- Free Standard ACH transfers
- Same-day ACH transfer for $10 fee
- Wire transfers to 32 countries outside of the U.S
- Unlimited transactions (however, all accounts are subject to the aggregated monthly deposit and withdrawal amount limit)
- Up to 5 sub-accounts with unique account numbers
- No insufficient fund fees
- Professional customer support
- $15 fee for domestic outgoing Wires
- Customer service limited to Mon-Fri
Bottom Line
9.8
9.4
9.1