Best Business Bank Accounts for Sole Proprietors of 2026
Sole proprietors are often one-person shows. Their business checking accounts need features that pick up the slack. We evaluated more than 60 accounts to find options that make running your business easier.
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American Express® Business Checking
American Express® Business Checking
APY
1.30% Earn 1.30% APY (annual percentage yield) on balances up to $500,000 as of 10/12/2022.
With $0 min. balance for APY
Monthly fee
$0
Bonus
30,000 Points Earn 30,000 Membership Rewards® points. Convert Membership Rewards® points into deposits directly into your American Express® Business Checking account. Other redemption options available. Terms apply. For new members: Points you earn, including the Welcome Bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account. Terms apply. For Membership Rewards-enrolled Card holders: You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more. Terms apply. *Participating partners and available rewards are subject to change without notice.
1) Deposit a total of $5,000 or more in eligible deposits within 30 days of opening your first account, AND
▪ Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts.
2) Maintain an average account balance of $5,000 for the next 60 days,
AND
3) Make 5 or more qualifying transactions within 60 days of opening your account
▪ Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.
4) American Express is currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. Select industries or businesses engaged in certain activities are currently ineligible, such as money service businesses, cryptocurrency, internet gambling businesses, and marijuana related businesses.
Requirements to qualify
Learn more at American Express National Bank, Member FDIC
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.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits.
Overdraft fees
N/A
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
Apply now on American Express' website
Rates & Fees
The Blue Business® Plus Credit Card from American Express
Annual fee
$0
Rewards rate
1x-2x Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms apply.
Points
Intro offer
15,000 Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
Points
on American Express' website
Rates & Fees
American Express® Business Gold Card
Annual fee
$375
Rewards rate
1x-4x Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. Terms Apply.
Points
Intro offer
100,000 Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms Apply.
Points
on American Express' website
Rates & Fees
Nerdwallet best-of awards
2026 BEST Online Business Checking Account
Bluevine Business Checking
Bluevine Business Checking
APY
1.30% Earn 1.30% interest on account balances up to and including $250,000. Terms apply.
With $0 min. balance for APY
Monthly fee
$0
Bonus
$500 Earn a $500 bonus when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code NW500.
Requirements to qualify
at Bluevine, Deposits are FDIC Insured
Pros
- No requited monthly fee, minimum opening deposit, excess transaction or overdraft fees.
- Earn 1.30% 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.
- Bill pay tools and invoicing with built-in payment links, plus tap-to-pay card acceptance.
Cons
- No fee-free cash deposits.
- Fee for using out-of-network ATMs.
- Does not offer jointly-owned accounts.
Min. opening deposit
$0
Free cash deposits
No
Fees vary by location.
Overdraft fees
$0
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
U.S. Bank Business Essentials
U.S. Bank Business Essentials
APY
N/A
Monthly fee
$0
Bonus
$400 Earn a $400 bonus when you open a U.S. Bank Business Essentials Account or $1,200 when you open a Platinum Business Checking Account online with promo code Q1AFL26 and complete qualifying activities, subject to certain terms and limitations. Offer valid through March 31, 2026. Member FDIC.
Requirements to qualify
Best free account
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.
- 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.
Min. opening deposit
$100
Free cash deposits
Yes
Up to 250 free cash deposit units per statement cycle.
Overdraft fees
$36
Here are potential fits with this account from our partners:
U.S. Bank Triple Cash Rewards Visa® Business Card
Annual fee
$0
Rewards rate
1%-5% Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs). Earn 1% cash back on all other eligible purchases. Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
Cashback
Intro offer
$750 Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
on U.S. Bank's website
Rates & Fees
U.S. Bank Business Altitude® Connect Visa Signature® Card
Annual fee
$0 intro for the first year, then $95
Rewards rate
1x-5x Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Center when using your card. Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs). Earn 2X points on dining, takeout, restaurant delivery and cell service providers. Earn 1X points on all other eligible spend.
Points
Intro offer
60,000 Earn 60,000 bonus points, worth $600 when redeemed for travel, if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
Points
on U.S. Bank's website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Nerdwallet best-of awards
2026 BEST Brick-and-mortar Business Checking Account
Chase Business Complete Banking®
Chase Business Complete Banking®
APY
N/A
Monthly fee
$15.00
Waived with $2,000 minimum balance
Bonus
$500 Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities.
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.
- 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.
Min. opening deposit
$0
Free cash deposits
Yes
Up to $5,000 per month.
Overdraft fees
$34
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Ink Business Cash® Credit Card
Annual fee
$0
Rewards rate
1%-5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
on Chase's website
Rates & Fees
Ink Business Preferred® Credit Card
Annual fee
$95
Rewards rate
1x-5x Earn 5x total points on Lyft rides through 9/30/27. Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn.
Points
Intro offer
100,000 Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Points
on Chase's website
Rates & Fees
Grasshopper Innovator Business Checking Account
Grasshopper Innovator Business Checking Account
APY
1.35% Earn 1.00% APY on balances up to $24,999 and on balances greater than $250,000. Earn 1.35% APY on balances of $25,000 to $250,000.
With $25,000 min. balance for APY
Monthly fee
$0
Bonus
N/A
Cash back on debit
at Grasshopper Bank, Member FDIC
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.
Min. opening deposit
$100
Free cash deposits
No
No cash deposits.
Overdraft fees
$0
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Ramp Card
Annual fee
$0
Rewards rate
1%-1.5% Up to 1.5%. Reward rate varies by customer and is determined by Ramp.
Cashback
Intro offer
$1,000 Earn a one-time $1,000 Ramp card upon approval. Limit one per new customer. No minimum spend required.
on Ramp's website
North One Standard Business Checking
North One Standard Business Checking
APY
2.50% Earn 2.50% interest on account balances up to $250,000. Terms apply.
With $0 min. balance for APY
Monthly fee
$0
Bonus
N/A
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.
Min. opening deposit
$0
Free cash deposits
No
NorthOne does not accept cash deposits
Overdraft fees
$5
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
nbkc Business Account
nbkc Business Account
APY
N/A
Monthly fee
$0
Bonus
N/A
at nbkc bank, Member FDIC
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.
Min. opening deposit
$0
Free cash deposits
Yes
Unlimited
Overdraft fees
$0
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Bank of America® Business Advantage Fundamentals™ Banking
Bank of America® Business Advantage Fundamentals™ Banking
APY
N/A
Monthly fee
$16.00
$0 for the first 12 statement cycles.
Bonus
$400 or $750 Click 'Learn More' for details
Requirements to qualify
at Bank of America, N.A., Member FDIC
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.
Min. opening deposit
$100
Free cash deposits
Yes
Up to $5,000 per statement cycle.
Overdraft fees
$10
Here are potential fits with this account from our partners:
Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card
Annual fee
$0
Rewards rate
1.5% Earn unlimited 1.5% cash back on all purchases everywhere, every time.
Cashback
Intro offer
$500 Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
on Bank of America's website
Bank of America® Business Advantage Customized Cash Rewards Mastercard® credit card
Annual fee
$0
Rewards rate
1%-3% Earn 3% cash back in the category of your choice: gas stations & EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services, 2% cash back on dining purchases on the first $50,000 in combined choice category/dining purchases, and 1% cash back on all other purchases.
Cashback
Intro offer
$500 Get a $500 online cash rewards bonus after you make at least $5,000 in purchases in the first 90 days of your account opening.
on Bank of America's website
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Annual fee
$0
Rewards rate
1.5x Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time – no matter how much you spend. Points don't expire as long as your account remains open.
Points
Intro offer
50,000 Earn 50,000 online bonus points after you make at least $5,000 in purchases in the first 90 days of your account opening.
Points
on Bank of America's website
Relay Business Checking
Relay Business Checking
APY
N/A
Monthly fee
$0
Bonus
N/A
at Relay, Deposits are FDIC Insured
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.
- Thread Bank, Relay’s banking partner, is currently under an FDIC consent order.
Min. opening deposit
$0
Free cash deposits
Yes
Unlimited
Overdraft fees
$0
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Brex Business Account
Brex Business Account
APY
N/A
Monthly fee
$0
Bonus
N/A
at Brex, Deposits are FDIC Insured
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.
Min. opening deposit
$0
Free cash deposits
N/A
Overdraft fees
N/A
Here are potential fits with this account from our partners:
Brex Card
Annual fee
$0
Rewards rate
1x-7x Earn points on every dollar spent with industry-leading multipliers: 7x on rideshare, 4x on Brex Travel, 3x on restaurants, 2x on software subscriptions and 1x on all other transactions. Earn 3x Brex Rewards points on all eligible Apple purchases through the link or your Brex dashboard.
Points
Intro offer
10,000 Get 10,000 points when you spend $3,000 on a Brex Card within your first 3 months.
Points
on Brex's website
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$2,000 Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
on Capital One's website
Rates & Fees
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Miles
on Capital One's website
Rates & Fees
Axos Bank® Basic Business Checking
Axos Bank® Basic Business Checking
APY
N/A
Monthly fee
$0
Bonus
$200 Business owners get up to $200 welcome bonus!* Open a business checking account by June 30 and get up to $200 when you use promo code START200 on your application.*
Requirements to qualify Unlimited transactions
at Axos Bank®, Member FDIC
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.
Min. opening deposit
$0
Free cash deposits
Yes
Unlimited
Overdraft fees
$25
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Found Small Business Banking
Found Small Business Banking
APY
2.00% New customers signing up after 11/1/25 can earn 2% APY on balances up to $20K when you spend $5000 on qualifying transactions in a month.¹
Terms Apply¹
Monthly fee
$0
None Required*
Bonus
$125 Earn $125 when you deposit $5,000 within the first 30 days of account creation and maintain it for another 30 days. Offer valid until 12/31/26. Terms Apply.
Bonus Terms Apply²
at Lead Bank, Deposits are FDIC Insured
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.
Min. opening deposit
$0
Free cash deposits
No
$1.75 fee per deposit
Overdraft fees
$0
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Ink Business Cash® Credit Card
Annual fee
$0
Rewards rate
1%-5% Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 5% total cash back on Lyft rides through 9/30/27. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.
Cashback
Intro offer
$750 Earn $750 when you spend $6,000 on purchases in the first three months after account opening.
on Chase's website
Rates & Fees
Rho Business Checking
Rho Business Checking
APY
N/A
Monthly fee
$0
Bonus
$350 $350 statement credit for depositing and maintaining a balance of $10,000 for the first 90 days. Use promo code NERDWALLET at sign up.
Requirements to qualify
at Rho, Deposits are FDIC Insured
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.
Min. opening deposit
$0
Free cash deposits
N/A
Overdraft fees
N/A
Here are potential fits with this account from our partners:
Rho Corporate Card
Annual fee
$0
Rewards rate
1.5% 1.5% cashback
Cashback
Intro offer
$500 $500 statement credit after spending $1,000 on Rho Cards in your first three months.
on Rho's website
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$2,000 Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
on Capital One's website
Rates & Fees
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Miles
on Capital One's website
Rates & Fees
Mercury Business Account
Mercury Business Account
APY
N/A
Monthly fee
$0
Bonus
$300 $300 bonus to users on deposits $10K or more in their first 90 days.
Requirements to qualify
at Mercury
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.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits.
Overdraft fees
$0
Here are potential fits with this account from our partners:
Capital One Spark Cash Plus
Annual fee
$150
Rewards rate
2%-5% Earn unlimited 2% cash back on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$2,000 Earn a one-time cash bonus of $2,000 once you spend $30,000 in the first 3 months and an additional $2,000 cash bonus for every $500K spent during the first year.
on Capital One's website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Venture X Business
Annual fee
$395
Rewards rate
2x-10x Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions.
Miles
Intro offer
150,000 Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
Miles
on Capital One's website
Rates & Fees
Huntington Business Checking 100
Huntington Business Checking 100
APY
N/A
Monthly fee
$0
Bonus
$1,000 For a $100 bonus, make a cumulative new money deposit of at least $2,000 within 60 days after opening an eligible account. For a $400 bonus, make a cumulative new money deposit of at least $5,000 within 60 days after opening an eligible account (not available with Business Checking 100). For a $1,000 bonus: Make a cumulative new money deposit of at least $20,000 within 30 days after opening an eligible account, then maintain a daily balance of $20,000 for 60 days after you've met the cumulative opening deposit requirement. ($1,000 bonus available with Unlimited Plus Business Checking only.)
Requirements to qualify
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.
Min. opening deposit
$0
Free cash deposits
Yes
Up to $2,500 per month.
Overdraft fees
$36
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
PNC Business Checking
PNC Business Checking
APY
N/A
Monthly fee
$12.00
Waived with $500 average monthly balance
Bonus
$400 Open a new qualifying Business Checking or Business Checking Plus account by 3/31/2026. Maintain a minimum average ledger balance of $2,000 for each of the first three statement cycles; and make at least 20 total qualifying PNC Bank Visa® Debit Card transactions within the first three statement cycles.
Requirements to qualify
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.
Min. opening deposit
$100
Free cash deposits
Yes
Up to $5,000 per month.
Overdraft fees
$36
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Capital One Business Basic Checking®
Capital One Business Basic Checking®
APY
N/A
Monthly fee
$15.00
Waived with $2,000 minimum balance
Bonus
$500 Earn $500 when you open a new Capital One Business Basic Checking or Enhanced Checking account, and complete qualifying activities.
Requirements to qualify
at Capital One, Member FDIC
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.
Min. opening deposit
$0
Free cash deposits
Yes
$5,000 included monthly at no charge; $1 for every $1,000 deposited after that
Overdraft fees
$35
Here are potential fits with this account from our partners:
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Capital One Spark Cash Select
Annual fee
$0
Rewards rate
1.5%-5% Earn unlimited 1.5% cash back for your business on every purchase, everywhere — with no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$750 Earn a $750 bonus when you spend $6,000 in the first 3 months of account opening.
on Capital One's website
Rates & Fees
Capital One Spark Miles for Business
Annual fee
$0 intro for the first year, then $95
Rewards rate
2x-5x Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account. Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel.
Miles
Intro offer
50,000 Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
Miles
on Capital One's website
Rates & Fees
Novo Business Checking
Novo Business Checking
APY
N/A
Monthly fee
$0
Bonus
N/A
at Novo, Deposits are FDIC Insured
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.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits.
Overdraft fees
$0
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
TD Business Simple Checking℠
TD Business Simple Checking℠
APY
N/A
Monthly fee
$10.00
Bonus
$500 Earn a $500 bonus when you open a new TD Bank Business Checking account and meet eligibility requirements. Terms apply. Offer expires 11/30/2024.
Requirements to qualify
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.
Min. opening deposit
$0
Free cash deposits
Yes
Up to $5,000 per month.
Overdraft fees
$35
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
QuickBooks Money
QuickBooks Money
APY
3.00% Earn 3% APY on balances in envelopes. Funds must be moved out of envelopes before they can be spent.
With $0 min. balance for APY
Monthly fee
$0
Bonus
N/A
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.
Min. opening deposit
$0
Free cash deposits
No
Fees of up to $5.95 may be collected by retailers when depositing cash to your account at their locations.
Overdraft fees
N/A
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Citizens Bank Clearly Better Business Checking®
Citizens Bank Clearly Better Business Checking®
APY
N/A
Monthly fee
$0
Bonus
N/A
Min. opening deposit
$1
Free cash deposits
No
$2.50 per $1,000 coin and currency deposited
Overdraft fees
$39
Here are potential fits with this account from our partners:
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Lili Core Business Checking
Lili Core Business Checking
APY
N/A
Monthly fee
$0
Bonus
N/A
at Lili, Deposits are FDIC Insured
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.
Min. opening deposit
$0
Free cash deposits
No
Fee of up to $4.95 per cash deposit.
Overdraft fees
$0
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Navy Federal Credit Union Business Checking
Navy Federal Credit Union Business Checking
APY
0.01%
With $0 min. balance for APY
Monthly fee
$0
Bonus
N/A
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.
Min. opening deposit
$255
Free cash deposits
Yes
Unlimited
Overdraft fees
$29
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
First Internet Bank Do More Business™ Checking
First Internet Bank Do More Business™ Checking
APY
0.50% Earn 0.50% APY with an average daily balance of $10,000
With $10,000 min. balance for APY
Monthly fee
$0
Bonus
N/A
at First Internet Bank, Member FDIC
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.
Min. opening deposit
$100
Free cash deposits
N/A
Overdraft fees
N/A
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Live Oak Bank Business Savings
Live Oak Bank Business Savings
APY
2.85% Earn 2.85% APY with a minimum balance of $0.01.
With $0.01 min. balance for APY
Monthly fee
$0
Bonus
N/A
at Live Oak Bank, Member FDIC
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.
Min. opening deposit
$0
Free cash deposits
No
No cash deposits
Overdraft fees
N/A
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Wells Fargo Initiate Business Checking℠ Account
Wells Fargo Initiate Business Checking℠ Account
APY
N/A
Monthly fee
$10.00
Waived with $500 minimum balance
Bonus
N/A
Pros
- Phone customer support available until 11 p.m. ET on weekdays and on Saturdays and Sundays.
- No fees at Wells Fargo ATMs and access to around 4,900 branch locations.
- Receive and send payments via Zelle.
Cons
- No free business checking account option.
- Limit of 100 fee-free transactions per month.
Min. opening deposit
$25
Free cash deposits
Yes
Up to $5,000.
Overdraft fees
$35
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
BMO Simple Business Checking
BMO Simple Business Checking
APY
N/A
Monthly fee
$10.00
Waived with $100 minimum balance
Bonus
$1,000 Earn a $400, $750 or $1,000 bonus when you open a new BMO business checking account and complete qualifying activities. Offer valid through April 30, 2026. Member FDIC.
Requirements to qualify
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.
Min. opening deposit
$100
Free cash deposits
Yes
Up to $2,000 per statement period.
Overdraft fees
$15
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Regions LifeGreen Business Checking
Regions LifeGreen Business Checking
APY
N/A
Monthly fee
$12.00
Waived with $2,500 minimum balance
Bonus
N/A
Min. opening deposit
$100
Free cash deposits
No
$5,000 processed at no charge each calendar month; then $0.25 per $100 for additional cash deposits
Overdraft fees
$36
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Santander Bank Basic Business Checking
Santander Bank Basic Business Checking
3.0
APY
N/A
Monthly fee
$7.50
Waived with $1,500 minimum balance
Bonus
N/A
Min. opening deposit
$0
Free cash deposits
No
No fee up to $7,500, then $0.27 per $100 deposited
Overdraft fees
$35
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Min. opening deposit
$0
Free cash deposits
N/A
Overdraft fees
N/A
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
CitiBusiness® Streamlined Checking
CitiBusiness® Streamlined Checking
APY
N/A
Monthly fee
$15.00
Waived with $5,000 minimum balance
Bonus
N/A
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.
Min. opening deposit
$1
Free cash deposits
No
$10,000 in cash deposits included monthly
Overdraft fees
$35
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
Truist Simple Business Checking
Truist Simple Business Checking
APY
N/A
Monthly fee
$0
Bonus
N/A
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.
Min. opening deposit
$100
Free cash deposits
N/A
Overdraft fees
N/A
Here are potential fits with this account from our partners:
The American Express Blue Business Cash™ Card
Annual fee
$0
Rewards rate
1%-2% Earn 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement. Terms Apply.
Cashback
Intro offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. Terms Apply.
on American Express' website
Rates & Fees
Ink Business Unlimited® Credit Card
Annual fee
$0
Rewards rate
1.5%-5% Earn 5% total cash back on Lyft rides through 9/30/27. Earn unlimited 1.5% cash back on every purchase made for your business.
Cashback
Intro offer
$750 Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
on Chase's website
Rates & Fees
Capital One Spark Cash
Annual fee
$0 intro for the first year, then $95
Rewards rate
2%-5% Earn unlimited 2% cash back for your business on every purchase, everywhere no limits or category restrictions. Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Business Travel.
Cashback
Intro offer
$1,000 Earn a $1,000 cash bonus when you spend $10,000 within 3 months of account opening.
on Capital One's website
Rates & Fees
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