- Last updated November 2025
Best Business Checking Accounts Of November 2025
Compare 2024's top business checking accounts in one place
✓ Low monthly fees & overdraft fees
✓ Easy 24/7 mobile access
✓ Unlimited transactions
9.7
Relay
All-in-one banking for small business owners
Best for small business banking
- Savings accounts with 1-3% APY
- No account fees or minimum balances
- Up to $3M in deposit insurance
All-in-one banking for small business owners
Apply in 3 minutes
Best for small business banking
- Apply in 3 minutes
9.5
Found
All your banking needs for the self-employed
Best for sole proprietorships
- Banking, taxes, bookkeeping – all in one place
- No credit check or required monthly fees*
- Real-time expense tracking and categorization
9.4
Bluevine
Competitive yield with no monthly fees
Best for easy APY yield
- Earn 2.00% APY on your balance up to $250,000
- Zero monthly fees (no minimum balance & unlimited transactions)
- $3 million in FDIC insurance
9.3
Novo
Great for online-only businesses
Best for established LLCs
- Integrates with top business tools, including Quickbooks, Xero, & Stripe
- No monthly fees or minimum deposit
- Enjoy free standard ACH transfers, mailed checks, and incoming wires
9.2
Mercury
Business banking for scaling startups
- FDIC insurance of up to $5 million when opting into sweep networks
- Earn up to 5.39% yield on idle cash with treasury
- No monthly fees
8.8
U.S. Bank
Trusted name with a large sign up bonus
- Up To An $800 Bonus. Welcome bonus for new customers (terms apply)
- Bank in-person, online or in-app
250,000+ people
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Our Ratings:
The rating system for the best business checking accounts consists of a combination of the following 3 components:
We evaluate the monthly maintenance fees, transaction fees, and the ease of fee waivers to ensure cost-effectiveness for businesses.
The quality and availability of customer support services provided by the bank. Higher ratings are given to banks with 24/7 support and high customer satisfaction.
We recommend accounts from reputable banks with strong financial stability and positive reviews from business customers.
How We Picked These Business Checking Accounts
Fees and Account Requirements: We prioritized accounts with low or no monthly maintenance fees and straightforward ways to waive these fees. We also considered transaction fees, cash deposit fees, and wire transfer fees to ensure they are reasonable and transparent.
Accessibility and Convenience: We evaluated the ease of accessing accounts through online and mobile banking platforms. This includes features like mobile check deposits, online bill pay, and a wide network of ATMs and physical branches to facilitate easy day-to-day operations.
Additional Features and Services: We looked at the availability of business-specific features such as business debit and credit cards, rewards programs, and integration with accounting tools. We also considered the potential for additional services like business loans and lines of credit, which can be crucial for future business growth.
Customer Support: We rated the quality of customer service, including the availability of support through various channels (phone, email, chat) and overall customer satisfaction. Reliable customer support is essential for addressing business needs promptly and efficiently.
Bank Reputation: We considered the bank's overall reputation, including its financial stability and customer reviews. We recommend accounts from banks that are well-regarded in the business community and have a track record of providing reliable and trustworthy services.
What Business Checking Account Should You Choose?
How to Choose the Right Business Checking Account?
Your Business Needs: Evaluate what your business requires from a checking account. Consider factors such as the volume of transactions, the need for cash deposits, and the frequency of wire transfers. Ensure the account can handle your business’s operational needs without incurring excessive fees.
Account Usage: Think about how you will use the account daily. If you need frequent ATM access or prefer in-person banking, choose a bank with a vast network of ATMs and branches. A bank with robust digital banking tools and mobile app capabilities may be more suitable for businesses that operate primarily online.
Long-term Value: Look beyond initial bonuses and consider the long-term benefits of the account. Assess the ongoing fee structures, balance interest rates, and additional services, such as business loans, credit cards, or rewards programs. The account should provide value that aligns with your business growth plans.
Evaluate Multiple Offers: Compare the different business checking accounts available. Consider the bonus amounts and the terms and conditions attached to those bonuses. Some accounts may offer higher bonuses but have higher fees or stricter requirements. Balance the initial incentives with the overall cost-effectiveness of the account.
Customer Support: Ensure that the bank provides reliable customer service. Accessible and responsive support is crucial for addressing any issues with your account. Look for banks with positive customer service reviews and multiple support channels.
Disclosures
SoFi:
*SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.50% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either Direct Deposit or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet.
*Direct Deposit Promotion begins on 12/7/23 and will be available through 12/31/24. See full terms and disclosures at sofi.com/banking.