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Best Business Checking Accounts of

June 2026

Compare top business checking accounts with low fees, high transaction limits, and useful business tools

Bluevine

MoneyAtlas

Rating

Banking platform for small businesses

Earn up to 3.00% APY on balances up to $3 million
Free ACH and incoming wire transfers
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on Bluevine's site

Mercury

MoneyAtlas

Rating

Business banking for scaling up startups

Free domestic and international USD wires
Unlimited 1.5% cashback on all credit card purchases
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on Mercury's site

Grasshopper

MoneyAtlas

Rating

Unlimited interest & cash back

Earn up to 3.00% APY
Get unlimited 1% cashback on everyday debit card purchases
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on Grasshopper's site

Chase Business Complete Banking

MoneyAtlas

Rating

Business checking from the largest U.S. bank network

Access 5,000+ branches nationwide
Up to $500 bonus for new business checking customers
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on Chase's site

Found

MoneyAtlas

Rating

Banking built for the self-employed

Real-time expense tracking and categorization
Banking, taxes, bookkeeping – all in one place
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on Found's site

Review Our Top Business Checking Accounts

Learn more about why we chose these business checking accounts

Bluevine

Bluevine

Banking platform for small businesses

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In a Nutshell

Bluevine offers a comprehensive online business banking platform to empower small businesses with innovative financial tools. Their flagship product, Bluevine Business Checking, provides a high-yield account earning up to 3.00% APY on balances up to $3,000,000. The platform features integrated accounts payable automation, sub-accounts for better budgeting, and debit and credit card options for team spending. With FDIC insurance up to $3 million, mobile check deposits, and access to business loans, Bluevine combines modern banking convenience with small business-focused features. While lacking physical branches, Bluevine compensates with robust online and mobile banking capabilities.

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Why we rate it 5.0/5

Cost5.0

No monthly fees, free ACH and incoming wire transfers, and free printed checks included with the account.

Account options5.0

Checking with 3.00% APY on up to $3M, sub-accounts for budgeting, bill pay automation, and access to business credit lines.

Customer experience4.5

Phone and email support available, but restricted service hours and limited options for resolving issues outside business days.

Digital tools5.0

Robust bill pay platform with AP automation, sub-accounts, mobile check deposit, and team debit/credit card management.

Branch access4.5

No physical branches; cash deposits possible through third-party services, but with fees and limited convenience.

Pros

  • High-yield interest option: Earn up to 3.00% APY on balances up to $3,000,000 by enrolling in its premier plan, which costs $95/mo or $0/mo if you maintain a monthly balance of at least $100,000 and spend at least $5,000 each billing period with a Bluevine Business Debit Mastercard® and/or Bluevine Business Cashback Mastercard®

  • Extensive FDIC coverage: Up to $3 million in FDIC insurance protection through a sweep program provided by partner banks, significantly higher than the standard $250,000 coverage

  • Free printed checks: Receive two free checkbooks per year as long as you maintain a balance in your account

Cons

  • Limited cash deposit options: Cash deposits are only available at Green Dot locations with a potential fee of up to $4.95 per transaction

  • Restricted customer service hours: Customer support is only available on weekdays

  • Mobile app limitations: The Bluevine mobile banking app has lower ratings compared to some competitors

Mercury

Mercury

Business banking for scaling up startups

MoneyAtlas

Rating

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In a Nutshell

Mercury offers a modern, fee-free online business banking platform for startups and tech companies. With no minimum balance requirements and no monthly fees, Mercury offers checking and savings accounts, along with up to $5 million in FDIC insurance through partner banks. The platform features free ACH and wire transfers, virtual and physical debit cards, and seamless integrations with popular business tools. While it doesn't support cash deposits or offer interest on basic accounts, Mercury stands out with its API access, venture debt options, and high-yield Mercury Treasury for accounts over $500,000. For entrepreneurs seeking a streamlined financial management solution, Mercury offers an attractive banking option.

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Pros

  • Mercury Vault: This feature provides up to $5 million in FDIC insurance by spreading funds across multiple FDIC-insured banks

  • Free wire transfers: Mercury does not charge fees for domestic or international wire transfers

  • API access: Mercury offers a customizable read-write API that allows businesses to create custom dashboards

Cons

  • No cash deposits: Mercury does not support cash deposits

  • Limited customer support: Mercury primarily relies on email for customer support and does not offer phone support

  • No interest on checking balances: Unlike some competitors, Mercury's standard checking account does not earn interest

Grasshopper

Grasshopper

Unlimited interest & cash back

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In a Nutshell

Grasshopper Bank is an online-only, FDIC-insured bank designed for U.S. small-business owners and freelancers. Its Innovator Business Checking account has no monthly fees or transaction limits, earns up to 3.30% APY on balances, and offers 1% cash back when you use the free Visa debit card. You can open an account in just five minutes with a minimum deposit of $100 to get started. Once set up, you can deposit checks from your phone, send unlimited free ACH transfers and incoming wires, and link tools like QuickBooks or Autobooks for invoicing.

Read Review →

Why we rate it 4.8/5

Cost5.0

No monthly or overdraft fees, free ACH transfers and incoming wires, plus 1% cash back on debit card purchases.

Account options4.8

Business checking with up to 3.30% APY and cash-back debit, though no savings or lending products within the platform.

Customer experience4.5

Responsive support when available, but limited service hours and no branches for in-person assistance.

Digital tools4.9

QuickBooks integration, Autobooks invoicing, mobile check deposit, and a five-minute account opening process.

Branch access4.6

Online-only with no physical branches or cash deposit options; Visa debit card accepted widely for everyday spending.

Pros

  • 1% cash-back debit card: Maintain a $10k+ average balance, and every purchase earns 1% back

  • Up to 3.30% APY: Idle funds between roughly $25k–$250k collect market-leading interest

  • Zero monthly fees: After the $100 opening deposit, ACH and debit transactions stay free and uncapped

Cons

  • Wire fees: Each domestic wire costs $10, international $25

  • No cash deposits: The branch-free bank only accepts checks and electronic transfers

Why Your Business Checking Choice Matters

A business checking account is the hub for payroll, vendor bills, customer payments, and tax transfers. The wrong account piles on avoidable fees and slows down cash flow; the right one keeps every dollar moving smoothly and cheaply.

Spot the Cost Traps

FeeWhere It Shows UpHow To Avoid It
Monthly maintenance Large national banks with high minimum‑balance rules Choose an online, community, or credit-union account that waives the fee with modest activity or no strings at all
Per-transaction charges After a set number of checks, ACH credits, or cash deposits Look for “unlimited transactions” or counts high enough to cover your busiest month
Cash-deposit fees Retail-heavy businesses that drop lots of bills and coins Pick a bank with generous free cash limits or armored-car pickup discounts
Outgoing wire fees Supplier payments or international transfers Use ACH or a bank that bundles a set number of free wires each month

Choose an Account Built for Your Needs

Account TypeBest ForKey Perks
Online/fintech business checking Freelancers, e-commerce, consultants $0 monthly fee, unlimited digital transactions, integrated invoicing, virtual debit cards
Full-service small-business account Companies with payroll and cash deposits Branch access, night-drop boxes, payroll add-ons, moderate free cash limits
High-transaction account Established firms with heavy check or ACH volume Unlimited items, discounted wires, dedicated support rep
Treasury/analysis account Cash-rich businesses sweeping balances nightly Earnings credit to offset fees, automated balance sweeps, and detailed analysis statements

Must-Have Features

  1. Fast payments – Built-in FedNow, RTP, or same-day ACH so receivables clear fast.
  2. Software sync – Direct feeds to QuickBooks, Xero, or your POS; saves hours of manual entry.
  3. Employee controls – Free debit cards with per-card limits and real-time spend alerts.
  4. Remote deposit capture – Scan or snap photos of checks—no branch line.
  5. FDIC or NCUA insurance – Up to the standard limit for each tax-ID owner.

How to Open & Switch

  1. Apply online or in branch—have your EIN, formation docs, and driver’s license ready.
  2. Link payment platforms—update Stripe, PayPal, payroll, and vendor ACH instructions.
  3. Run parallel for one statement cycle—verify all deposits and debits hit the new account before closing the old one.

Quick Tips to Trim Costs

  • Automate low-balance alerts to avoid overdrafts and wire rushes.
  • Batch outgoing payments on free ACH days rather than single, pricey wires.
  • Negotiate merchant-services bundles; some banks waive checking fees if you process card payments with them.
  • Review fee statement quarterly—growth often pushes you into the next pricing tier with better freebies.

Best Business Bank Accounts for Small Businesses and LLCs

The best business bank account depends on how your company moves money. Online and fintech accounts like Bluevine, Found, and Mercury suit freelancers, e-commerce sellers, and LLCs that run mostly on digital payments, since they usually charge no monthly fee and bundle invoicing and accounting tools. Businesses that deposit cash or want branch service often do better with a national or community bank that offers free cash allowances and in-person help. If you want truly free business checking, look for an account with no monthly maintenance fee and no minimum balance, and confirm that the transaction and cash deposit limits cover your busiest month.

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Scoring Factors

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Fee Types Compared

$250K

FDIC Coverage

Our Methodology

How we pick the best business checking accounts

Accounts are scored on what they cost a real business, how well they handle volume, and the tools that save owners time.

Fees & Minimums

Monthly maintenance, transaction caps, cash-deposit and wire fees, and the balance or activity needed to waive them.

Transactions & Limits

Free monthly transaction and cash-deposit allowances, and how much room you have before per-item charges kick in.

Tools & Integrations

Accounting sync with QuickBooks and Xero, invoicing, employee cards with controls, and fast rails like FedNow and RTP.

Safety & Support

FDIC or NCUA coverage, fraud protection, and access to real support when cash flow is on the line.

FAQs