Best Business Checking Accounts of February 2026

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.
• No fees at 14,000 Chase ATMs and access to around 5,000 branches.
• Receive and send payments via Zelle.

Cons

• $15 monthly fee.
• Monthly limit on physical transactions (20).
• Fee for using out-of-network ATMs.

Pros

• No monthly service fee.
• Welcome bonus for new customers (terms apply).
• Unlimited fee-free electronic and debit card transactions.
• Receive and send payments via Zelle.
• Accept payments with free mobile card reader, no monthly software fee. Processing fees apply.

Cons

• $100 minimum opening deposit.
• Fee for using out-of-network ATMs.
• High overdraft, wire transfer fees.
• $1 fee for outgoing domestic ACH transfers.

Pros

• No monthly fees, transaction fees or incoming wire fees.
• No fees at MoneyPass ATMs.
• Cash deposits via Green Dot network (fees and limits apply).
• Early payment feature allows you to receive funds up to two days sooner than with a traditional bank account.
• Direct integrations with Square, Shopify, Etsy and eBay.

Cons

• Fee for using out-of-network ATMs.
• No fee-free cash deposits.
• Bill pay not included; must upgrade to Lili Smart or higher.
• No spend controls on employee debit cards.

Pros

• No monthly fee for the first 12 statement cycles.
• Welcome offer for new accountholders.
• Loyalty perks via Preferred Rewards for Business program.
• Relatively low overdraft fees ($10 per item, limited to two per day)
• Bill pay includes invoicing for new users.

Cons

• $100 minimum opening deposit.
• Fee for using out-of-network ATMs.
• $16 monthly fee after introductory period ends.