Best Business Bank Accounts for Small Businesses (2026)

5 best business bank accounts for small businesses

The best bank accounts for small businesses have minimal fees, no required opening deposits and feature business software integrations. A few are also interest-bearing, which could yield extra funds throughout the year.

Best overall

Bluevine Business Checking

9 Excellent

You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code CA500. T&Cs apply.

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Bluevine Business Checking is our top pick overall thanks to its free plan, strong APY options and robust features. The Standard plan has no monthly fees and earns up to 1.3% APY on balances up to $250,000 if you meet activity requirements. Paid plans — Plus ($30/mo) and Premier ($95/mo) — offer up to 1.75% APY and 3.3% APY respectively, with waivable fees and no activity requirements. All plans have no overdraft, foreign transaction fees or minimum deposit, and include up to $3 million in FDIC insurance via partner banks. You'll get unlimited invoicing (via Stripe), and integrations with QuickBooks, Venmo, Square and more. The main drawback: a 2.9% fee on credit card bill payments.

APY	Up to 3.30%
Fee	From $0 per month

• Why we like it

  Bluevine Business Checking is our top pick overall thanks to its free plan, strong APY options and robust features. The Standard plan has no monthly fees and earns up to 1.3% APY on balances up to $250,000 if you meet activity requirements. Paid plans — Plus ($30/mo) and Premier ($95/mo) — offer up to 1.75% APY and 3.3% APY respectively, with waivable fees and no activity requirements. All plans have no overdraft, foreign transaction fees or minimum deposit, and include up to $3 million in FDIC insurance via partner banks. You'll get unlimited invoicing (via Stripe), and integrations with QuickBooks, Venmo, Square and more. The main drawback: a 2.9% fee on credit card bill payments.

• Pros and cons

  Pros

  • Earn 1.3% to 3.3% APY depending on plan and activity
  • Few fees
  • Create up to 5 subaccounts for categorizing
  • 8+ software integrations for a smooth workflow
  • Unlimited transactions

  Cons

  • 2.9% credit card transaction fee to pay bills
  • Cash deposit fees

• More details

  Annual Percentage Yield (APY)	3.30% on balances of $0+ 1.75% on balances of $0 to $250,000 1.30% on balances of $0 to $250,000
  Intro or bonus offer	You can earn $500 when you open a new Bluevine Business Checking account and meet eligibility requirements. Apply with referral code CA500.
  Fee	From $0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%

APY	Up to 3.30%
Fee	From $0 per month

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verified_user FDIC Insured

Best for free business checking

NBKC Business Checking

9.2 Excellent

NBKC's business checking account takes the win for best free option. There's no deposit required, and there are no fees for overdrafts, non-sufficient funds or stop payments. NBKC allows for cash deposits at MoneyPass ATMs with no charge as well. And NBKC is highly rated on review platforms — a rarity for many long-term banks. But if you frequently do international wire transfers, know that NBKC charges a hefty $45 fee.

APY	N/A
Fee	$0 per month

• Why we like it

  NBKC's business checking account takes the win for best free option. There's no deposit required, and there are no fees for overdrafts, non-sufficient funds or stop payments. NBKC allows for cash deposits at MoneyPass ATMs with no charge as well. And NBKC is highly rated on review platforms — a rarity for many long-term banks. But if you frequently do international wire transfers, know that NBKC charges a hefty $45 fee.

• Pros and cons

  Pros

  • $0 monthly fee
  • $0 account deposit to open
  • Minimal fees
  • Free to receive US wire transfers

  Cons

  • Branches only in Kansas City area
  • $45 for incoming and outgoing international wire transfers

• More details

  Annual Percentage Yield (APY)	N/A
  Fee	$0 per month
  Overdraft fee	$0
  Foreign transaction fee	1%

APY	N/A
Fee	$0 per month

verified_user FDIC Insured

Best for multi-member LLCs

Relay

9.6 Excellent

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If you’re part of a multiple-member LLC, Relay is worth considering. Open up to 20 checking accounts on the free Starter plan, or up to 50 with Relay Scale, and issue up to 50 physical or virtual cards per cardholder for each checking account. You can also create up to two savings accounts. Place spending limits on the cards and automate transfers between the separate checking accounts, identify who did what and offer separate logins for each member. Integrate your account with software such as Gusto, Plaid, QuickBooks, Xero and Yodlee. Relay’s savings APYs are also high, offering 1.19% to 3.21% APY. Relay Grow for $30 per month offers other perks, such as lower fees on wires and same-day ACH transfers, a bill pay dashboard and much more.

APY	Up to 3.21%
Fee	$0 per month

• Why we like it

  If you’re part of a multiple-member LLC, Relay is worth considering. Open up to 20 checking accounts on the free Starter plan, or up to 50 with Relay Scale, and issue up to 50 physical or virtual cards per cardholder for each checking account. You can also create up to two savings accounts. Place spending limits on the cards and automate transfers between the separate checking accounts, identify who did what and offer separate logins for each member. Integrate your account with software such as Gusto, Plaid, QuickBooks, Xero and Yodlee. Relay’s savings APYs are also high, offering 1.19% to 3.21% APY. Relay Grow for $30 per month offers other perks, such as lower fees on wires and same-day ACH transfers, a bill pay dashboard and much more.

• Pros and cons

  Pros

  • Create up to 20 to 50 checking accounts and issue up to 50 debit cards
  • No monthly fee for basic plan
  • No overdraft, bounced check or ATM fees
  • Set spending limits on distributed team ATM cards

  Cons

  • Tiered rates for savings
  • No physical checks

• More details

  Annual Percentage Yield (APY)	3.21% on balances of $0+ 1.87% on balances of $0+ 1.19% on balances of $0+
  Rewards	1% cash back on its credit card
  Fee	$0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	0%

• Partner terms and conditions

  Relay is a financial technology company, not an FDIC-insured bank. Banking services and FDIC insurance are provided through Thread Bank and Evolve Bank & Trust; Members FDIC.The Relay Visa® Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa® debit cards are accepted.

APY	Up to 3.21%
Fee	$0 per month

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Best for property management

Baselane

9.2 Excellent

Up to 5% cash back on debit card spend T&Cs apply.

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on Baselane's secure site Read review

Baselane is a free property management account ideal for small businesses, supporting LLCs, individuals, partnerships and corporations. Designed for landlords and real estate investors, it offers rent collection, accounting and reporting tools. Create unlimited virtual accounts or cards for each property, import or export CSV files and sync with various bookkeeping software. Renters can pay rent for free via ACH transfer and can opt into rent reporting. Also, earn up to 2.63% APY on balances over $50,000, or $50,000 APY on balances under $10,000. Earn unlimited 1% cashback on all purchases and up to 5% back on eligible home improvement hardware. Deposits are also insured up to $3 million thanks to a network of program banks. However, there's no mobile app just yet.

APY	Up to 2.63%
Fee	$0 per month

• Why we like it

  Baselane is a free property management account ideal for small businesses, supporting LLCs, individuals, partnerships and corporations. Designed for landlords and real estate investors, it offers rent collection, accounting and reporting tools. Create unlimited virtual accounts or cards for each property, import or export CSV files and sync with various bookkeeping software. Renters can pay rent for free via ACH transfer and can opt into rent reporting. Also, earn up to 2.63% APY on balances over $50,000, or $50,000 APY on balances under $10,000. Earn unlimited 1% cashback on all purchases and up to 5% back on eligible home improvement hardware. Deposits are also insured up to $3 million thanks to a network of program banks. However, there's no mobile app just yet.

• Pros and cons

  Pros

  • No monthly fees
  • Create unlimited subaccounts
  • Rent collection, account and reporting tools
  • High FDIC insurance
  • Earn cashback and interest
  • Multiple software integrations

  Cons

  • Best APY requires a high balance
  • No mobile app

• More details

  Annual Percentage Yield (APY)	2.63% on balances of $50,000+ 2.39% on balances of $25,000 to $49,999 2.03% on balances of $10,000 to $49,999
  Intro or bonus offer	Up to 5% cash back on debit card spend
  Fee	$0 per month
  Nonsufficient funds fee	$0
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	1%

APY	Up to 2.63%
Fee	$0 per month

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on Baselane's secure site Read review

verified_user FDIC Insured

Best for wire transfers

Mercury

8.8 Great

Read review

Mercury doesn't charge you for incoming or outgoing domestic or international wire transfers in USD, making a good option for e-commerce business with international suppliers. While many other providers allow free incoming wire transfers, most charge a fee for outgoing transfers, especially for international ones. Mercury is also a great option for a free checking account for startups and small businesses, requiring no opening deposit, no monthly fees and no overdraft fees. However, like many online banks, Mercury doesn't accept cash deposits.

APY	N/A
Fee	$0 per month

• Why we like it

  Mercury doesn't charge you for incoming or outgoing domestic or international wire transfers in USD, making a good option for e-commerce business with international suppliers. While many other providers allow free incoming wire transfers, most charge a fee for outgoing transfers, especially for international ones. Mercury is also a great option for a free checking account for startups and small businesses, requiring no opening deposit, no monthly fees and no overdraft fees. However, like many online banks, Mercury doesn't accept cash deposits.

• Pros and cons

  Pros

  • No USD wire transfer fees
  • No monthly maintenance or overdraft fees
  • No USD wire transfer fees
  • Software integrations, including Quickbooks

  Cons

  • No cash deposits

• More details

  Annual Percentage Yield (APY)	N/A
  Fee	$0 per month
  ATM transaction fee	$0
  Overdraft fee	$0
  Foreign transaction fee	3%

APY	N/A
Fee	$0 per month

Read review

verified_user FDIC Insured

Methodology: How we choose the best accounts

Finder’s banking experts research and compare 40 business bank accounts before narrowing down the best accounts for small businesses. The features that hold the most weight are the existence of software integrations such as Quickbooks or services that assist with tax filings, the number of free ATMs available in the provider’s network, and monthly fees. We also regularly update and revise our list to reflect the best options available in the current market.

We weigh these six factors when choosing the best accounts:

• Has at least one software integration or comes with tax features
• Free ATM access or offer ATM reimbursements
• $0 in monthly maintenance fees
• Opening deposits less than $100
• Available in most states
• No membership requirements

How to pick a top business account

There are a few things that every business owner should consider:

• Fees. Compare monthly maintenance fees, overdraft fees and opening deposit requirements. Beyond these, look at fees attached to wire transfers and ATM withdrawals.
• Interest. While not common, there are some interest-bearing business checking accounts. Though, they might come with a minimum balance requirement to start earning interest.
• Rewards. If you plan on using your business debit card frequently, consider an account with a cashback rewards program for possible earnings.
• Cash deposits. If you’re a cash-based business, you may want to consider a bank with physical branches to make cash deposits easier. For online-based businesses, cash deposits are usually not possible or come with a fee.
• Software integrations. For taxes, expense reports, bank statements and more, having a bank with software integrations, such as Quickbooks or Xero, can make bookkeeping easier.

Go to site

Easy business accounting

Accounting software made for small businesses and sole traders.

• Automated sales tax for all the states you're registered.
• Dashboard for cash flow, including overdue invoices and outstanding bills.
• Automated time and expense tracking.
• Exclusive: Get 80% off Xero for 6 months. No promo code needed.

Compare more business bank accounts

Narrow down top business bank accounts by fees, software integrations, APYs and more to find the best for your budget and financial goals. Select Compare for up to four products to see their benefits side by side.

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Finder Score	Fee	Annual Percentage Yield (APY)	FDIC Insured Amount	Software Integrations	Account management	Bank transfer fee
Promoted 8.8 Great Airwallex	8.8 Great	$0 per month	N/A	Up to $250,000	Amazon, Quickbooks, Zapier, Shopify, Xero, Hubspot and more	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading
Promoted 8.4 Great Novo Business	8.4 Great	$0 per month	N/A	Up to $250,000	Quickbooks, Stripe, Square, Xero, and more	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading
6.6 Standard Live Oak Business Essential Checking	6.6 Standard	$10 per month (can be waived)	N/A	Up to $250,000	QuickBooks	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading
7.6 Great Chase Business Complete Banking®	7.6 Great	$15 per month (can be waived)	N/A	Up to $250,000	N/A	Branch, Online, App, Phone	$0	Earn up to $500 when you open a new Chase Business Complete Checking® account. For new Chase business checking customers with qualifying activities. T&Cs apply.	Go to site View details Compare product selection Compare	loading
9.4 Excellent Revolut Business	9.4 Excellent	From $10 per month	N/A	Up to $250,000	Xero, FreeAgent, Zapier, Slack, Google Workspace, QuickBooks, HR programs and more	Online, App, Phone	$0	Go to site View details Compare product selection Compare	loading

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Looking for other options? Check out these similar products.

How we picked these

How we calculate Business Checking Finder Scores

Read full methodology

What different scores mean

9+

Excellent

These are the best business checking accounts that are likely to have the lowest fees, smallest opening deposits, unlimited transactions and low wire transfer fees.

7+

Great

These accounts may have low service fees, a number of free transactions and low wire transfer fees, but may not offer the most perks.

5+

Standard

These business accounts are likely to charge a monthly fee, may have transaction fees or costly wire transfer fees, but are still typical business accounts.

0+

Basic

These business checking accounts are likely to have costly service fees, may not accept cash deposits, have costly wire transfer fees and lack extra perks the best accounts offer.

Bottom line

A business checking account should be a benefit to your small business, not a hinderance. Look for business accounts with features you’ll actually use, such as tax savings, cashback rewards, cash deposit options and afforable fees. Compare more of the best business checking accounts for all business types.

Frequently asked questions

• What do I need to open a business account for my small business?

  It doesn't take long to open a business bank account — especially if you're going with an online bank. Most small businesses will need to provide the following documents when opening an account:

  • Government-issued ID or valid driver's license
  • Employer Identification Number (EIN), SSN or Taxpayer Identification Number
  • Business license
  • LLC operating agreement
  • Articles of organization and amendments

• Can I use my own bank account for my small business?

  While you can use your personal bank account to run your small business, it's generally not recommended since it can affect liability and make business bookkeeping a pain. Having a dedicated business bank account for your business helps protect your personal assets and any other owner's assets.

  A business account for your small business can help you keep track of expenses, tax deductions or credits, and keep your income separate from your personal assets. This separation ensures clear financial organization and minimizes any potential challenges with the IRS in the future.

  Also, a business bank account can make applying for business loans for an LLC easier. Business loan providers almost always require business bank statements for evaluation. Keeping personal and business accounts separate avoids complications and makes it easier to provide the necessary financial documentation, increasing your chances of securing business loans.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

Bethany's expertise

Bethany has written 475 Finder guides across topics including:

• Personal finance
• Banking
• Auto loans
• Insurance
• Cryptocurrency and NFTs