Pros

• No monthly fee, minimum opening deposit or excess transaction fee.
• 24/7 customer support.
• No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.
• Earn 1 Membership Rewards® point for every $2 spent on eligible business debit card purchases.

Cons

• Can’t deposit cash.
• No outgoing international wire transfers.
• Does not offer jointly owned accounts.

Pros

• No monthly fee, minimum opening deposit or excess transaction fee.
• Ability to put cash in a money market fund to earn yield.
• Includes rewards-earning Brex corporate credit card.
• Free domestic and international wire transfers.

Cons

• Can't deposit or withdraw cash.
• Only available to venture-backed startups and mid-market companies.
• Not available to sole proprietors or other unincorporated businesses.

Pros

• No monthly fee, minimum opening deposit or excess transaction fee.
• Cash deposits at compatible ATMs.
• Automatic refunds of all ATM fees (domestic).
• Welcome bonus for new customers (terms apply).

Cons

• $25 fee for insufficient funds/uncollected funds returned.
• No third-party app integrations.

Pros

• Free domestic and international U.S. dollar wire transfers.
• Unlimited refunds on all domestic ATM fees.
• No monthly fee, minimum opening deposit, excess transaction fee on U.S. dollar transactions or overdraft fees.
• Users can apply for the rewards-earning Mercury IO Card, a corporate credit card with numerous expense control tools.

Cons

• Can’t deposit cash.
• Choice Financial Group, one of Mercury’s banking partners, is currently under a federal consent order.

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 required monthly fee, minimum opening deposit, excess transaction or overdraft fees.
• 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.

Cons

• No bill pay feature in the free plan.

Pros

• No monthly fee, minimum opening deposit, excess transaction or overdraft fees.
• 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

• Must pay a fee to use built-in software features via Autobooks.

Pros

• Unlimited 1% cash back on qualified debit card purchases.
• Earn up to 1.35% APY.
• No monthly fees, transaction fees or overdraft charges.
• Free, built-in bookkeeping and invoicing software.
• Low fees on wire transfers.
• All account holders are assigned to a dedicated banker or customer support representative.

Cons

• $100 minimum opening deposit.

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.

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.
• Earn 2.5% APY on balances up to $250,000. Terms apply.

Cons

• No fee-free cash deposits.
• Can’t send or receive international wires.
• Not available to nonprofit organizations.
• No spend controls on employee debit cards.

Pros

• No required monthly fee*, minimum opening deposit, excess transaction or overdraft fees.
• Built-in invoicing, bookkeeping and tax-planning features.
• Built-in payroll features for contractors.
• Can manage up to 5 businesses from a single login.

Cons

• No weekend or after-hours phone support.
• Subscription required to earn interest.

Pros

• Monthly fees waived for the first three months after account opening.
• Welcome bonus for new customers.
• No fees at 60,000 PNC ATMs, plus 2,600 branch locations.
• Earn cash back at select merchants with PNC Purchase Payback.
• Receive and send payments via Zelle.
• Account holders are assigned to a dedicated banker or customer support representative.

Cons

• No free business checking account options.
• Limit of 150 fee-free transactions per month.
• Very high wire transfer fees.

Pros

• Some branches are open late and on weekends, including Sundays.
• No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
• No fees at 2,600 TD Bank ATMs and access to 1,100 branches.
• Receive and send payments via Zelle.

Cons

• No free business checking account option.
• Accounts only available in 15 states and the District of Columbia.

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

• Unlimited fee-free digital transactions, including mobile deposits, ACH transfers and some bill pay.
• Full suite of business services, including business credit cards and loans.
• No fees at nearly 80,000 ATMs, including the Capital One, MoneyPass and Allpoint networks.
• No fee on cash deposits at Capital One and select Allpoint ATMs.

Cons

• No free business checking account options.
• Potential for up to 4 overdraft fees per day.

Pros

• No monthly fee and unlimited fee-free electronic transactions.
• No dollar limit on cash deposits (other limits may apply).
• 24/7 member service.
• No fees to deposit cash at Navy Federal or Co-Op Network ATMs.

Cons

• High opening deposit (up to $255).
• $29 fee for overdrafts, insufficient funds.
• Eligibility limited to veterans, military members, Department of Defense employees and their families.
• Does not offer jointly owned accounts.
• No spend controls on employee debit cards.

Pros

• No monthly fee, minimum opening deposit or excess transaction fee.
• Free same-day ACH transfers.
• Users can apply for the rewards-earning Rho Card, a corporate credit card with numerous expense control tools.

Cons

• No cash deposits or ATM access.
• Not available to sole proprietors.

Pros

• Account holders can set money aside for specific purposes and earn 3% APY on it.
• Built-in invoicing.
• Built-in payment processing, which means same-day availability for some funds.

Cons

• Only four free ATM withdrawals per month; $3 per withdrawal after that.
• Does not offer jointly owned accounts.
• Only one debit card per account.

Pros

• No monthly fee, minimum opening deposit, excess transaction or overdraft fees.
• $7 per month in ATM fee refunds.
• Direct integrations with Etsy, eBay, Amazon and WooCommerce.
• Built-in invoicing and automatic P&L generation.

Cons

• Can’t deposit cash.
• Not all customers can send domestic wire transfers.
• No customer support by phone unless you're reporting fraud.
• No bill pay feature.
• Does not offer jointly owned accounts.
• No spend controls on employee debit cards.

Pros

• No monthly fee, minimum opening deposit, excess transaction or overdraft fees.
• Up to $10 in monthly refunds for ATM fees charged by other banks.
• APY of 0.50% with an average daily balance of $10,000 or more.
• Receive and send payments via Zelle.

Cons

• No cash deposits.
• $15 fee for incoming wires.

Pros

• Large sign-up bonus.
• No fees at BMO Harris or 50,000 Allpoint ATMs and access to 1,000 branch locations.
• No overdraft fees if account is overdrawn by $50 or less.
• Receive and send payments via Zelle.
• Account holders are assigned a dedicated relationship banker or account manager.

Cons

• No free checking account option (though the minimum balance required to waive the monthly fee is lower than most other banks).
• Limit of $2,000 in free cash deposit per statement period.
• Limit of 100 fee-free transactions per month.

Pros

• High APY.
• Earn interest on balances of $0.01 and higher.
• No monthly maintenance fee or minimum deposit.

Cons

• No ATM or debit card access for Business Savings account.
• No weekend customer support.

Pros

• No fees at 60,000 Citibank and MoneyPass ATMs and access to more than 600 branches.
• Up to $10,000 per month in free cash deposits.
• Sign-up bonuses start at $300 when you deposit $5,000 and can reach $2,000 when you deposit $200,000.
• Receive and send payments via Zelle.
• Account holders are assigned to a dedicated banker or customer support representative.

Cons

• Must visit a branch to open an account.
• Business accounts are only available in 10 states plus Washington, D.C.
• No spend controls on employee debit cards.

Pros

• Free business checking available, including an option for nonprofits.
• Large branch network.
• Receive and send payments via Zelle.

Cons

• Restrictive transaction limit on Simple Business Checking.
• Fee for using out-of-network ATMs.
• Multiple extra fees, including for ACH service and QuickBooks integration.

Pros

• No monthly service fee for Business Checking 100 account.
• No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
• Welcome bonus for new customers (terms apply).
• No fees at 1,600 Huntington ATMs and access to 1,000 branches.
• Receive and send payments via Zelle.

Cons

• Fee for using out-of-network ATMs.
• Accounts only available in 11 states.
• Limit of $2,500 in free cash deposits per month.