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Find a Free Business Checking Account

April 12, 2018
Banking, Banks & Credit Unions, Checking Accounts
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

You shouldn’t have to pay a fee just to have a small-business checking account.

Use these lists to help find the best provider for your business. Keep in mind that even though these institutions offer free business checking, you could still be charged for overdrafts, excess transactions or excess deposits.

If you’re not sure what to look out for:

  • Learn more about common business checking fees
  • Read our business checking primer
  • Graphic: Big-name banks

    A few larger bank chains that offer free business checking have branches in many states. Use the map to find what’s available in your state, then learn more about account details at the links below.

    Online banks

    Most small companies and entrepreneurs can open business checking accounts online instead of in person. The U.S. Small Business Administration offers a guide to finding out whether your business is eligible.

    » Check out our picks for the best free business checking accounts

    » Looking for a personal account, too? Check out our best free personal checking accounts 

    Free small-business checking by state

    If none of the above options are available in your state, you’d rather bank in person, or you prefer a smaller bank, check out the options below.

    National Cooperative Bank: Basic Business Checking
    Northrim Bank: Business Edge Checking
    BNC National Bank: Free Business Checking
    Comerica Bank: Basic Business Checking
    FirstBank: Business Checking
    Beneficial State Bank: eFree Checking Account
    Comerica Bank: Basic Business Checking
    FirstBank: Business Checking
    ANB Bank: BusinessFREE Checking
    Ent Credit Union: Free Business Checking
    FirstBank: Business Checking
    5Star Bank: 5Star Commercial Checking
    Partner Colorado Credit Union: Basic Business Checking
    Affinity Federal Credit Union: Business Checking
    Farmington Bank: Free Business Checking
    Liberty Bank: PayBack Business Checking
    Washington Trust: Small Business Checking
    Artisans’ Bank: Free Business Checking
    National Cooperative Bank: Basic Business Checking
    United Bank: Free Business Checking
    Ameris Bank: Business Checking
    Capital Bank: Better Business Checking
    Comerica Bank: Basic Business Checking
    The First: First Free Business Checking
    Iberia Bank: Free Business Checking
    Popular Community Bank: Totally Free Business Checking
    Space Coast Credit Union: Free Business Checking
    Trustmark: Free Business Checking
    Bank of Hawaii: Business Checking
    Central Bank: Free Small Business Checking
    First Merchants Bank: First Business Checking
    MainSource Bank: Free Business Checking
    Old National Bank: Free Business Checking
    Wintrust Bank: Entrepreneur Checking
    First Merchants Bank: First Business Checking
    Horizon Bank: Micro Business Checking
    MainSource Bank: Free Business Checking
    Old National Bank: Free Business Checking
    Wintrust Bank: Entrepreneur Checking
    Alliant Credit Union: Business Checking
    Arbor Bank: Simple Business Checking
    Bank 1st: Business E-Checking
    Bank Iowa: Small Business Checking
    American Founders Bank: Go200 Business Checking
    City National Bank: Best Free Business Checking
    MainSource Bank: Free Business Checking
    Old National Bank: Free Business Checking
    The First: First Free Business Checking
    Gulf Coast Bank & Trust: Business Checking
    Home Bank: Small Business Checking
    Iberia Bank: Free Business Checking
    Bar Harbor Bank & Trust: Easy Business Checking
    1st Mariner Bank: Small Business Checking
    First National Bank: Free Small Business Checking
    United Bank: Free Business Checking
    Digital Federal Credit Union: Free Business Checking
    Farmington Bank: Free Business Checking
    Washington Savings Bank: Free Business Checking
    1st State Bank: Business Checking
    Comerica Bank: Basic Business Checking
    Flagstar Bank: Standard Business Checking
    Horizon Bank: Micro Business Checking
    Old National Bank: Free Business Checking
    Bank Forward: Business 200 Checking
    Bell Bank: America’s Best Checking for Business
    BNC National Bank: Free Business Checking
    First National Bank Minnesota: Free Checking
    Spire Credit Union: Classic Business Checking
    WESTconsin Credit Union: Business Checking
    Opportunity Bank of Montana: Free Business Checking
    Arbor Bank: Simple Business Checking
    Central National Bank: Central Business Value
    America First Credit Union: Basic Business Checking
    Bar Harbor Bank & Trust: Easy Business Checking
    Digital Federal Credit Union: Free Business Checking
    Affinity Federal Credit Union: Business Checking
    The Bank of Princeton: Wise Business Checking
    Columbia Bank: Free Business Checking
    Popular Community Bank: Totally Free Business Checking
    United Teletech Financial Federal Credit Union: Free Business Checking
    Affinity Federal Credit Union: Business Checking
    National Cooperative Bank: Basic Business Checking
    Popular Community Bank: Totally Free Business Checking
    City National Bank: Best Free Business Checking
    First Merchants Bank: First Business Checking
    First National Bank: Free Small Business Checking
    MainSource Bank: Free Business Checking
    National Cooperative Bank: Basic Business Checking
    United Bank: Free Business Checking
    Beneficial State Bank: eFree Checking Account
    First National Bank: Free Small Business Checking
    MoreBank: Business Checking
    Pennsylvania State Employees Credit Union: Business Checking
    United Bank: Free Business Checking
    Ameris Bank: Business Checking
    Arthur State Bank: Basic Business Checking
    Capital Bank: Better Business Checking
    First National Bank: Free Small Business Checking
    Andes State Bank: Free Checking
    America First Credit Union: Basic Business Checking
    Bank of Utah: Free Business Checking
    First Utah Bank: Free Business Checking
    Bar Harbor Bank & Trust: Easy Business Checking
    Community National Bank: Business Checking
    Capital Bank: Better Business Checking
    City National Bank: Best Free Business Checking
    National Cooperative Bank: Basic Business Checking
    United Bank: Free Business Checking
    Beneficial State Bank: eFree Checking Account
    BECU: Basic Checking
    First Financial Northwest Bank: First Business Checking
    Harborstone Credit Union: Basic Business Checking
    Alliant Credit Union: Business Checking
    Spire Credit Union: Classic Business Checking
    Town Bank: Entrepreneur Checking
    Westbury Bank: Totally Free Small Business Checking
    WESTconsin Credit Union: Business Checking
    ANB Bank: BusinessFREE Checking
    Big Horn Federal Savings Bank: Free Ramcheck

    Honorable mentions

    These banks will waive their monthly fees if you meet their requirements for debit card transactions:

    • BancorpSouth: e-Business Checking (Alabama, Arkansas, Florida, Louisiana, Mississippi, Missouri, Tennessee and Texas). Required to waive fee: five debit card purchases per statement period.
    • MB Financial: MB Small Business Checking (Illinois). Required to waive fee: four signature-based debit card transactions per statement period.
    • Wells Fargo: Business Choice Checking (in 39 states and District of Columbia). Required to waive fee: 10 debit card purchases or payments per statement period.

    You may also want to consider your other banking relationships. For example, if you have a small-business credit card from your bank, you may already be eligible for a small-business checking account with waived fees.

    » Ready to consider other business accounts? Find a business credit card that’s right for you

    Margarette Burnette is a staff writer at NerdWallet, a personal finance website. Email: mburnette@nerdwallet.com. Twitter: @margarette. Alice Holbrook and John Gower of NerdWallet contributed to this article.

    Updated April 12, 2018.


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