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Best Business Checking Accounts of June 2025

Edited by

Ryan Lane

Last updated on May 22, 2025

Fact checked and reviewed
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The best business checking accounts provide core banking services for little to no monthly fee, plus benefits like high APYs, cash back on debit card spending and 24/7 customer support. Compare our top accounts to find the right fit for you.
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Best Business Checking Accounts From Our Partners

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Best Business Checking Accounts From Our Partners

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Best overall online business checking account

Bluevine Business Checking

5.0 

Best for Online banking

APY
1.50%

With $0 min. balance for APY

Monthly fee
$0
Bonus
$300

Requirements to qualify

Learn more

at Bluevine, Deposits are FDIC Insured

Best overall online business checking account

Bluevine Business Checking

Best for Online banking

5.0 
APY
1.50%

With $0 min. balance for APY

Monthly fee
$0
Bonus
$300

Requirements to qualify

Learn more

at Bluevine, Deposits are FDIC Insured

American Express® Business Checking

5.0 

Best for 24/7 customer support

APY
1.30%

With $0 min. balance for APY

Monthly fee
$0
Bonus
30,000 points

Requirements to qualify

Learn more

at American Express National Bank, Member FDIC

American Express® Business Checking

Best for 24/7 customer support

5.0 
APY
1.30%

With $0 min. balance for APY

Monthly fee
$0
Bonus
30,000 points

Requirements to qualify

Learn more

at American Express National Bank, Member FDIC

Relay Business Checking

4.8 

Best for Expense management tools

APY
N/A
Monthly fee
$0
Bonus
$300

Requirements to qualify

Learn more

at Relay, Deposits are FDIC Insured

Relay Business Checking

Best for Expense management tools

4.8 
APY
N/A
Monthly fee
$0
Bonus
$300

Requirements to qualify

Learn more

at Relay, Deposits are FDIC Insured

Chase Business Complete Banking®

4.6 

Best for Full-service banking

APY
N/A
Monthly fee
$15.00

Waived with $2,000 minimum balance

Bonus
$500

Requirements to qualify

Learn more

at Chase, Member FDIC

Chase Business Complete Banking®

Best for Full-service banking

4.6 
APY
N/A
Monthly fee
$15.00

Waived with $2,000 minimum balance

Bonus
$500

Requirements to qualify

Learn more

at Chase, Member FDIC

U.S. Bank Business Essentials

4.5 

Best for Free account at a brick-and-mortar bank

APY
N/A
Monthly fee
$0
Bonus
$500

Requirements to qualify

Learn more

at U.S. Bank, Member FDIC

U.S. Bank Business Essentials

Best for Free account at a brick-and-mortar bank

4.5 
APY
N/A
Monthly fee
$0
Bonus
$500

Requirements to qualify

Learn more

at U.S. Bank, Member FDIC

Grasshopper Innovator Business Checking Account

4.8 

Best for Cash back on debit card purchases

APY
1.80%

With $25,000 min. balance for APY

Monthly fee
$0
Bonus
$300

Requirements to qualify

Learn more

at Grasshopper Bank, Member FDIC

Grasshopper Innovator Business Checking Account

Best for Cash back on debit card purchases

4.8 
APY
1.80%

With $25,000 min. balance for APY

Monthly fee
$0
Bonus
$300

Requirements to qualify

Learn more

at Grasshopper Bank, Member FDIC

Found Small Business Banking

4.3 

Best for Self-employed business owners

APY
N/A
Monthly fee
$0
Bonus
$125

Requirements to qualify

Learn more

at Found, Deposits are FDIC Insured

Found Small Business Banking

Best for Self-employed business owners

4.3 
APY
N/A
Monthly fee
$0
Bonus
$125

Requirements to qualify

Learn more

at Found, Deposits are FDIC Insured

North One Standard Business Checking

4.7 

Best for High APY

APY
2.50%

With $0 min. balance for APY

Monthly fee
$0
Bonus
N/A
Learn more

at North One, Deposits are FDIC Insured

North One Standard Business Checking

Best for High APY

4.7 
APY
2.50%

With $0 min. balance for APY

Monthly fee
$0
Bonus
N/A
Learn more

at North One, Deposits are FDIC Insured

nbkc Business Account

4.6 

Best for Low-fee online banking

APY
N/A
Monthly fee
$0
Bonus
N/A
Learn more

at nbkc bank, Member FDIC

nbkc Business Account

Best for Low-fee online banking

4.6 
APY
N/A
Monthly fee
$0
Bonus
N/A
Learn more

at nbkc bank, Member FDIC

Other great business checking accounts

The accounts above are excellent choices for virtually any business owner. They were chosen based on their star ratings and how they compare to competitors' products.
The following accounts are good, and may be great for certain business owners. We still recommend these options if they fit your business's needs:

How we choose the best business checking accounts

NerdWallet evaluates business checking accounts on more than 25 different factors. We continually reevaluate and update our business bank accounts rating methodology to reflect evolving industry norms.
NerdWallet examines dozens of business checking accounts every year to determine our star ratings and top picks, but we do not review all 4,000-plus FDIC-insured banks in the U.S. We focus on the accounts available to the largest number of business owners. Those include the largest banks in the U.S. by assets, the largest credit unions by membership and online banks with growing market share or notable features.
Your local bank or credit union can be a great choice if you're looking for the following:
  • A personal, face-to-face relationship with your banker.
  • Highly regarded customer support.
  • Traditional banking services, including checks, wire transfers and bill pay.
  • In the future, a business loan.

🤓 Nerdy Tip

Some of the accounts on our list come from financial technology companies or "neobanks," not traditional banks. Neobanks typically partner with FDIC-insured banks; the banks actually hold customers' funds while the fintech companies provide the software experience. If a neobank ever fails, you should still be able to recover your funds — but you may have to deal with frozen accounts, failed transactions or other headaches along the way.

Who should get a business checking account?

Anyone who owns a business should have a business checking account. That includes sole proprietors and freelancers. For LLCs, a separate small-business checking account draws a clear line between business and personal expenses — which can help shield your personal assets if your company is sued.
Using a dedicated business bank account for your business income and expenses also helps streamline record-keeping, making it easier to file taxes and gather the financial statements you'll need to apply for business loans

How to tell if a business checking account is a good fit

As you investigate your top choices, pay close attention to the following:
Note on
American Express® Business Checking
: At Allpoint® and MoneyPass® locations in the U.S., you can withdraw cash and get balance information with no fee. Access to ATMs outside of the Allpoint® and MoneyPass® networks are subject to fees by the ATM owner and/or network. ATM withdrawal limits apply. American Express applies foreign exchange fees to withdrawals in foreign currencies. American Express does not accept ATM cash deposits into your Business Checking account at this time. Visit americanexpress.com/atm-locator to find participating ATMs in the U.S.
Last updated on May 22, 2025

Methodology

NerdWallet evaluates more than 50 business bank accounts from national, regional and online banks. Collectively, these accounts represent the largest banks by assets and the largest credit unions by membership, along with notable and emerging fintech companies and online banks.
We consider more than 20 data points for each account, including services, fees, features and rewards. We gather this information from rates and fees documents, deposit account agreements, financial institution websites and company representatives.
Our editorial team regularly reviews and updates our data to ensure consistency and accuracy. We also update our scoring on an ongoing basis to reflect changing industry norms and business owner needs. For instance, in 2025, we introduced bonus points for notable built-in software features, like the ability to accept tap-to-pay payments from customers using a mobile app.
Final star ratings are presented on a scale of one to five stars, where a five-star score represents the best available product for the largest number of business owners. Learn more about how we rate business checking accounts.

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Best overall online business checking account
Bluevine Business Checking
Close
Best overall online business checking account

Bluevine Business Checking

Learn more

at Bluevine, Deposits are FDIC Insured