Best Business Bank Accounts of February 2026

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.

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 with your debit card.

Cons

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

Pros

• No required monthly fee*, minimum opening deposit, excess transaction or overdraft fees.
• Free, 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.
• Not available to partnerships or nonprofit organizations.

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 minimum opening deposit.
• Unlimited fee-free electronic and debit card transactions.
• Integrated credit card processing.
• No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
• No fees at 14,000 Chase ATMs and access to around 5,000 branches.
• Receive and send payments via Zelle.

Cons

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

Pros

• 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

• 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 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.

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

• Industry-leading APY.
• No minimum balance to earn interest.
• Access to Insured Cash Sweep network for expanded FDIC insurance.

Cons

• Fee for excess transactions.
• No ATM or debit card access.

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, 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

• Earns 2.75% APY.
• No minimum balance to earn interest.
• No monthly fee or minimum opening deposit.
• Includes checks and an ATM card.

Cons

• High fee ($45) for international wire transfers.
• No weekend or after-hours customer support.

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

• 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.