Find which of 168 business checking accounts has the lowest fees

Most banks determine your membership eligibility based on the state level, whereas most credit unions determine your eligibility on a county level.

If you are a sole proprietor, you have some flexibility in terms of which zip code to use, whether it be your home address or your office location. However, if you are handling cash on a regular basis, the zip code of your your store front is ideal for targeting nearby banks from a convenience perspective.

Many banks encourage customers to open additional non-checking financial accounts (e.g., savings accounts, CDs, etc.) with them.

If you're willing to sign on to more accounts AND maintain certain combined balances (usually 2-3 times the average monthly checking balance required to waive the fee), many banks will waive your monthly service fee.