Best Business Checking Accounts From Our Partners
Best Business Checking Accounts From Our Partners
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With $0 min. balance for APY
Requirements to qualify
at Bluevine, Deposits are FDIC Insured
Pros
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions; no overdraft fees.
- Earn 1.50% interest on account balances up to and including $250,000. Terms apply.
- Access up to $3 million in FDIC insurance with Insured Cash Sweep.
- No fees at MoneyPass ATMs.
- Account holders are assigned to a dedicated banker or customer support representative.
Cons
- No fee-free cash deposits.
- Fee for using out-of-network ATMs.
- Does not offer jointly-owned accounts.
Bluevine Business Checking
Best for Online banking
With $0 min. balance for APY
Requirements to qualify
at Bluevine, Deposits are FDIC Insured
Pros
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions; no overdraft fees.
- Earn 1.50% interest on account balances up to and including $250,000. Terms apply.
- Access up to $3 million in FDIC insurance with Insured Cash Sweep.
- No fees at MoneyPass ATMs.
- Account holders are assigned to a dedicated banker or customer support representative.
Cons
- No fee-free cash deposits.
- Fee for using out-of-network ATMs.
- Does not offer jointly-owned accounts.
With $0 min. balance for APY
Requirements to qualify
at American Express National Bank, Member FDIC
Pros
- No monthly fees or minimum opening deposit.
- No excess transaction fees and no charge for domestic incoming wires.
- Earn 1.30% APY on balances up to $500,000.
- 24/7 customer support.
- No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.
Cons
- Can’t deposit cash.
- No outgoing international wire transfers.
- Does not offer jointly owned accounts.
American Express® Business Checking
Best for 24/7 customer support
With $0 min. balance for APY
Requirements to qualify
at American Express National Bank, Member FDIC
Pros
- No monthly fees or minimum opening deposit.
- No excess transaction fees and no charge for domestic incoming wires.
- Earn 1.30% APY on balances up to $500,000.
- 24/7 customer support.
- No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.
Cons
- Can’t deposit cash.
- No outgoing international wire transfers.
- Does not offer jointly owned accounts.
Requirements to qualify
at Relay, Deposits are FDIC Insured
Pros
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions; no overdraft fees.
- Cash deposits via compatible Allpoint ATMs.
- No foreign transaction fees when you use your Relay Visa® Debit abroad.
- Free incoming wires and low outgoing wire transfer fees.
- Up to 50 debit cards.
- Account holders are assigned to a dedicated banker or customer support representative.
- Direct integration with Shopify.
Cons
- Deposited checks are held for up to 6-7 business days.
- No bill pay feature in the free plan.
Relay Business Checking
Best for Expense management tools
Requirements to qualify
at Relay, Deposits are FDIC Insured
Pros
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions; no overdraft fees.
- Cash deposits via compatible Allpoint ATMs.
- No foreign transaction fees when you use your Relay Visa® Debit abroad.
- Free incoming wires and low outgoing wire transfer fees.
- Up to 50 debit cards.
- Account holders are assigned to a dedicated banker or customer support representative.
- Direct integration with Shopify.
Cons
- Deposited checks are held for up to 6-7 business days.
- No bill pay feature in the free plan.
Waived with $2,000 minimum balance
Requirements to qualify
at Chase, Member FDIC
Pros
- No minimum opening deposit.
- Unlimited fee-free electronic and debit card transactions.
- Integrated credit card processing.
- No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
- 24/7 customer support.
- No fees at 16,000 Chase ATMs and access to around 4,700 branches.
- Supports Zelle for Business.
Cons
- $15 monthly fee.
- Monthly limit on fee-free cash deposits ($5,000) and physical transactions (20).
- Fee for using out-of-network ATMs.
Chase Business Complete Banking®
Best for Full-service banking
Waived with $2,000 minimum balance
Requirements to qualify
at Chase, Member FDIC
Pros
- No minimum opening deposit.
- Unlimited fee-free electronic and debit card transactions.
- Integrated credit card processing.
- No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
- 24/7 customer support.
- No fees at 16,000 Chase ATMs and access to around 4,700 branches.
- Supports Zelle for Business.
Cons
- $15 monthly fee.
- Monthly limit on fee-free cash deposits ($5,000) and physical transactions (20).
- Fee for using out-of-network ATMs.
Requirements to qualify
at U.S. Bank, Member FDIC
Pros
- No monthly service fee.
- Welcome bonus for new customers (terms apply).
- Unlimited fee-free electronic and debit card transactions.
- Supports Zelle for Business.
- Account holders are assigned to a dedicated banker or customer support representative.
- Accept payments with free mobile card reader, no monthly software fee. Processing fees apply.
Cons
- $100 minimum opening deposit.
- Low limit on fee-free cash deposits.
- Fee for using out-of-network ATMs.
- High overdraft, wire transfer fees.
- $1 fee for outgoing domestic ACH transfers.
U.S. Bank Business Essentials
Best for Free account at a brick-and-mortar bank
Requirements to qualify
at U.S. Bank, Member FDIC
Pros
- No monthly service fee.
- Welcome bonus for new customers (terms apply).
- Unlimited fee-free electronic and debit card transactions.
- Supports Zelle for Business.
- Account holders are assigned to a dedicated banker or customer support representative.
- Accept payments with free mobile card reader, no monthly software fee. Processing fees apply.
Cons
- $100 minimum opening deposit.
- Low limit on fee-free cash deposits.
- Fee for using out-of-network ATMs.
- High overdraft, wire transfer fees.
- $1 fee for outgoing domestic ACH transfers.
With $25,000 min. balance for APY
Requirements to qualify
at Grasshopper Bank, Member FDIC
Pros
- Unlimited 1% cash back on qualified debit card purchases.
- Earn up to 1.80% APY.
- No monthly fees, transaction fees or overdraft charges.
- Free, built-in bookkeeping and invoicing software.
- Free incoming domestic wires; low fees on other wire transfers.
Cons
- Can’t deposit cash.
- $100 minimum opening deposit.
- No weekend support.
Grasshopper Innovator Business Checking Account
Best for Cash back on debit card purchases
With $25,000 min. balance for APY
Requirements to qualify
at Grasshopper Bank, Member FDIC
Pros
- Unlimited 1% cash back on qualified debit card purchases.
- Earn up to 1.80% APY.
- No monthly fees, transaction fees or overdraft charges.
- Free, built-in bookkeeping and invoicing software.
- Free incoming domestic wires; low fees on other wire transfers.
Cons
- Can’t deposit cash.
- $100 minimum opening deposit.
- No weekend support.
Requirements to qualify
at Found, Deposits are FDIC Insured
Pros
- No required monthly fee or minimum opening deposit.
- No excess transaction fees or overdraft fees; free incoming domestic wires.
- Free, built-in invoicing, bookkeeping and tax-planning features.
- Integrates with popular business and gig work apps, including Stripe, DoorDash, Uber, Etsy and PayPal.
- Account holders are assigned to a dedicated banker or customer support representative.
- Built-in payroll features for contractors.
Cons
- No weekend or after-hours phone support.
- Not available to partnerships or nonprofit organizations.
- No fee-free cash deposits.
Found Small Business Banking
Best for Self-employed business owners
Requirements to qualify
at Found, Deposits are FDIC Insured
Pros
- No required monthly fee or minimum opening deposit.
- No excess transaction fees or overdraft fees; free incoming domestic wires.
- Free, built-in invoicing, bookkeeping and tax-planning features.
- Integrates with popular business and gig work apps, including Stripe, DoorDash, Uber, Etsy and PayPal.
- Account holders are assigned to a dedicated banker or customer support representative.
- Built-in payroll features for contractors.
Cons
- No weekend or after-hours phone support.
- Not available to partnerships or nonprofit organizations.
- No fee-free cash deposits.
With $0 min. balance for APY
at North One, Deposits are FDIC Insured
Pros
- No monthly fees or excess transaction fees.
- Same-day deposits from Amazon, Cash App, Square, Stripe and Venmo. Direct payments supported from a variety of other business platforms, including Etsy, Lyft, Shopify and Airbnb.
- Sub-accounts that you can use to save for specific goals.
- Direct integration with Shopify, Etsy and Amazon.
- Account holders are assigned to a dedicated banker or customer support representative.
Cons
- Low cash deposit limits ($1,500 per day, $5,000 per month). Service fee of up to $4.95 per deposit.
- No free ATM network, though North One will reimburse up to two ATM fees per month by request. ATM withdrawals limited to $2,000 per day.
- Can’t send or receive international wires.
- No weekend customer support.
- Not available to nonprofit organizations.
- No spend controls on employee debit cards.
North One Standard Business Checking
Best for High APY
With $0 min. balance for APY
at North One, Deposits are FDIC Insured
Pros
- No monthly fees or excess transaction fees.
- Same-day deposits from Amazon, Cash App, Square, Stripe and Venmo. Direct payments supported from a variety of other business platforms, including Etsy, Lyft, Shopify and Airbnb.
- Sub-accounts that you can use to save for specific goals.
- Direct integration with Shopify, Etsy and Amazon.
- Account holders are assigned to a dedicated banker or customer support representative.
Cons
- Low cash deposit limits ($1,500 per day, $5,000 per month). Service fee of up to $4.95 per deposit.
- No free ATM network, though North One will reimburse up to two ATM fees per month by request. ATM withdrawals limited to $2,000 per day.
- Can’t send or receive international wires.
- No weekend customer support.
- Not available to nonprofit organizations.
- No spend controls on employee debit cards.
at nbkc bank, Member FDIC
Pros
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions, no overdraft fees and free incoming domestic wires.
- Up to $12 in monthly refunds for ATM fees charged by other banks worldwide.
- Unlimited cash deposits via MoneyPass and Allpoint ATMs.
- Accept contactless payments via the NBKC app (iOS only). Fees apply.
- Unlimited debit cards.
Cons
- High fee ($45) for international wire transfers.
- Phone support only available during business hours.
- No third-party app integrations.
nbkc Business Account
Best for Low-fee online banking
at nbkc bank, Member FDIC
Pros
- No monthly fees or minimum opening deposit.
- Unlimited fee-free transactions, no overdraft fees and free incoming domestic wires.
- Up to $12 in monthly refunds for ATM fees charged by other banks worldwide.
- Unlimited cash deposits via MoneyPass and Allpoint ATMs.
- Accept contactless payments via the NBKC app (iOS only). Fees apply.
- Unlimited debit cards.
Cons
- High fee ($45) for international wire transfers.
- Phone support only available during business hours.
- No third-party app integrations.
- 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.Account | Excess Transaction Fee | ATM Fees | Wire Fees | Complete Rates and Fees |
---|---|---|---|---|
American Express® Business Checking | None (unlimited transactions). | Fee-free ATMs: MoneyPass and Allpoint networks.* Out-of-network fees: None. Third-party ATM fee refunds: None. | Incoming: Free. Outgoing domestic: $25. Outgoing international: Not supported. | |
Axos Bank® Basic Business Checking | None (unlimited transactions). | Fee-free ATMs: Due to fee refunds, every ATM is essentially fee-free. Out-of-network fees: None. Third-party ATM fee refunds: Unlimited domestic. | Incoming: Free. Outgoing domestic: $35. Outgoing international: $45. | |
Bank of America® Business Advantage Fundamentals™ Banking | Unlimited electronic. 20 non-electronic, then 45 cents each. | Fee-free ATMs: Bank of America. Out-of-network fees: $2.50 U.S.; $5 international. Third-party ATM fee refunds: None. | Incoming: $15. Outgoing domestic: $30. Outgoing international: $45. | |
Bluevine Business Checking | None (unlimited transactions). | Fee-free ATMs: MoneyPass network. Out-of-network fees: $2.50. Third-party ATM fee refunds: None. | Incoming: Free. Outgoing domestic: $10. Outgoing international; $25. | |
Chase Business Complete Banking® | Unlimited electronic transactions. 20 non-electronic transactions, then 40 cents each. | Fee-free ATMs: Chase network. Out-of-network fees: $3 domestic, $5 international. Third-party ATM fee refunds: None. | Incoming: Free from other Chase accounts. Otherwise, $15. Outgoing domestic: $25, or $35 if sent from a Chase branch location. Outgoing international: $40. | |
Found Small Business Banking | None (unlimited transactions). | Fee-free ATMs: None. Found is not part of a fee-free ATM network. Out-of-network fees: None. Third-party ATM fee refunds: None. | Incoming domestic: Free. Outgoing domestic: $15. All international wires: Not supported. | |
Grasshopper Innovator Business Checking Account | None (unlimited transactions). | Fee-free ATMs: MoneyPass and SUM networks. Out-of-network fees: Not disclosed. Third-party ATM fee refunds: None. | Incoming domestic: Free. Incoming international: $5. Outgoing domestic: $10. Outgoing international: $25. | |
nbkc Business Account | None (unlimited transactions). | Fee-free ATMs: MoneyPass, Allpoint and NBKC networks. Out-of-network fees: None. Third-party ATM fee refunds: Up to $12 monthly. | Incoming domestic: $0. Incoming international: $45. Outgoing domestic: $5. Outgoing international: $45. | |
QuickBooks Money | None (unlimited transactions). | Fee-free ATMs: Four free withdrawals per month at AllPoint network. $3 each after that. Out-of-network fees: $3. Third-party ATM fee refunds: None. | Incoming: Not disclosed. Outgoing domestic: Not disclosed. Outgoing international: Not disclosed. | |
Relay Business Checking | None (unlimited transactions). | Fee-free ATMs: Allpoint network. Out-of-network fees: None. Third-party ATM fee refunds: None. | Incoming: None. Outgoing domestic: $5. Outgoing international: $10. | |
Rho Business Checking | None (unlimited transactions). | Fee-free ATMs: None. Rho is not part of a fee-free ATM network. Out-of-network fees: None. Third-party ATM fee refunds: None. | Incoming: None. Outgoing domestic: Free. Outgoing international: Free. | |
U.S. Bank U.S. Bank Business Essentials | 125 free transactions (electronic and non-electronic). 50 cents each after that. | Fee-free ATMs: U.S. Bank ATMs. Out-of-network fees: None. Third-party ATM fee refunds: None. | Incoming domestic: $14 or $16. Incoming international: $16. Outgoing domestic: $30 or $40 if sent from a branch. Outgoing international: $75. |
🤓 Nerdy Tip
Want to earn more in interest? Consider a business savings account or business money market account for longer-term savings. Some business savings accounts earn more than 4% APY.