✅ Fact-checked and reviewed
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
50+ categories of best business loan selections.
Objective and comprehensive business loans ratings rubric – learn more about our star ratings.
NerdWallet's small-business loans content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business lending. Their work has appeared in The Associated Press, The Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .
✅ Fact-checked and reviewed
NerdWallet's content is fact-checked for accuracy, timeliness, and relevance by humans. It undergoes a thorough review process involving writers and editors to ensure the information is as clear and complete as possible. Learn more by checking our Editorial Guidelines.
250+ small-business products reviewed and rated by our team of experts.
95+ years of combined experience covering small-business and personal finance.
50+ categories of best business loan selections.
Objective and comprehensive business loans ratings rubric – learn more about our star ratings.
NerdWallet's small-business loans content, including ratings, recommendations and reviews, is overseen by a team of writers and editors who specialize in business lending. Their work has appeared in The Associated Press, The Washington Post, MarketWatch, Nasdaq, Entrepreneur, ABC News, MSN and other national and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity to ensure accuracy and fairness in our coverage.
You’re our first priority.
Every time.
We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.
So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .
Bluevine Business Checking
at Bluevine, Deposits are FDIC Insured
| Bank/institution | Best for | NerdWallet rating | Monthly fee | APY | Bonus | Learn more |
|---|---|---|---|---|---|---|
Bluevine Business Checking at Bluevine, Deposits are FDIC Insured | Online banking | $0 | 1.50% With $0 min. balance for APY | $300 Requirements to qualify | at Bluevine, Deposits are FDIC Insured | |
| Pros
Cons
| ||||||
 American Express® Business Checking at American Express National Bank, Member FDIC | 24/7 customer support | $0 | 1.30% With $0 min. balance for APY | $30,000 Requirements to qualify | at American Express National Bank, Member FDIC | |
| Pros
Cons
| ||||||
 Relay Business Checking at Relay, Deposits are FDIC Insured | Managing multiple LLCs | $0 | N/A | $300 Requirements to qualify | at Relay, Deposits are FDIC Insured | |
| Pros
Cons
| ||||||
 Chase Business Complete Banking® at Chase, Member FDIC | Brick-and-mortar banking, payment processing | $15.00 Waived with $2,000 minimum balance | N/A | $500 Requirements to qualify | at Chase, Member FDIC | |
| Pros
Cons
| ||||||
 U.S. Bank Business Essentials at U.S. Bank, Member FDIC | Sign-up bonus | $0 | N/A | $500 Requirements to qualify | at U.S. Bank, Member FDIC | |
| Pros
Cons
| ||||||
 Grasshopper Innovator Business Checking Account at Grasshopper Bank, Member FDIC | 1% cash back on debit card purchases | $0 | 1.80% With $25,000 min. balance for APY | N/A | at Grasshopper Bank, Member FDIC | |
| Pros
Cons
| ||||||
 Mercury Business Bank Account at Mercury, Deposits are FDIC Insured | Startups with cash on hand | $0 | N/A | $300 Requirements to qualify | at Mercury, Deposits are FDIC Insured | |
| Pros
Cons
| ||||||
 Capital One Business Basic Checking® at Capital One, Member FDIC | Cash deposits | $15.00 Waived with $2,000 minimum balance | N/A | N/A | at Capital One, Member FDIC | |
| Pros
Cons
| ||||||
 Found Small Business Banking at Found, Deposits are FDIC Insured | Managing contractors | $0 | N/A | $125 Requirements to qualify | at Found, Deposits are FDIC Insured | |
| Pros
Cons
| ||||||
With $0 min. balance for APY
Requirements to qualify
at Bluevine, Deposits are FDIC Insured
Pros
Cons
Bluevine Business Checking
Best for Online banking
With $0 min. balance for APY
Requirements to qualify
at Bluevine, Deposits are FDIC Insured
Pros
Cons
With $0 min. balance for APY
Requirements to qualify
at American Express National Bank, Member FDIC
Pros
Cons
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
Cons
Requirements to qualify
at Relay, Deposits are FDIC Insured
Pros
Cons
Relay Business Checking
Best for Managing multiple LLCs
Requirements to qualify
at Relay, Deposits are FDIC Insured
Pros
Cons
Waived with $2,000 minimum balance
Requirements to qualify
at Chase, Member FDIC
Pros
Cons
Chase Business Complete Banking®
Best for Brick-and-mortar banking, payment processing
Waived with $2,000 minimum balance
Requirements to qualify
at Chase, Member FDIC
Pros
Cons
Pros
Cons
U.S. Bank Business Essentials
Best for Sign-up bonus
Requirements to qualify
at U.S. Bank, Member FDIC
Pros
Cons
With $25,000 min. balance for APY
at Grasshopper Bank, Member FDIC
Pros
Cons
Grasshopper Innovator Business Checking Account
Best for 1% cash back on debit card purchases
With $25,000 min. balance for APY
at Grasshopper Bank, Member FDIC
Pros
Cons
Requirements to qualify
at Mercury, Deposits are FDIC Insured
Pros
Cons
Mercury Business Bank Account
Best for Startups with cash on hand
Requirements to qualify
at Mercury, Deposits are FDIC Insured
Pros
Cons
Waived with $2,000 minimum balance
at Capital One, Member FDIC
Pros
Cons
Capital One Business Basic Checking®
Best for Cash deposits
Waived with $2,000 minimum balance
at Capital One, Member FDIC
Pros
Cons
Requirements to qualify
at Found, Deposits are FDIC Insured
Pros
Cons
Found Small Business Banking
Best for Managing contractors
Requirements to qualify
at Found, Deposits are FDIC Insured
Pros
Cons
Types of business bank accounts
Learn more
