Best Business Checking Accounts April 2025
Smart banking for your business finance
No Monthly Fees
Smooth Scale Strategy
Top-tier Protection
Simplified Tax Prep
No Monthly Fees
Smooth Scale Strategy
Last Updated: 04/23/2025
Best for Sole Proprietorships
1
9.9
5 out of 5 stars
Exceptional
Found: All-in-one banking platform
$125 Bonus on New Accounts
Free invoicing & payments
Sign up for free in minutes
No overdraft fees, service fees or minimum balance
Built-in tax calculator and savings tools
Found: All-in-one banking platform
$125 Bonus on New Accounts
Free invoicing & payments
Sign up for free in minutes
No overdraft fees, service fees or minimum balance
Built-in tax calculator and savings tools
9.9
5 out of 5 stars
Exceptional
2
9.7
5 out of 5 stars
Exceptional
Mercury
Powerful banking. Simplified finances
Streamlined banking for tech startups
Enjoy unlimited fee-free transactions
Access venture debt loans for startups
Mercury
Powerful banking. Simplified finances
Streamlined banking for tech startups
Enjoy unlimited fee-free transactions
Access venture debt loans for startups
9.7
5 out of 5 stars
Exceptional
3
9.5
4.5 out of 5 stars
Outstanding
North One
Up to 3.00% APY high-yield business account
No monthly fees or transaction fees
Integration with Shopify, Etsy and Amazon
North One
Up to 3.00% APY high-yield business account
No monthly fees or transaction fees
Integration with Shopify, Etsy and Amazon
9.5
4.5 out of 5 stars
Outstanding
4
9.3
4.5 out of 5 stars
Excellent
Bluevine
Earn up to 3.7% APY with $3M FDIC coverage
Get business loans up to $250K
Issue debit cards with spending limits
Bluevine
Earn up to 3.7% APY with $3M FDIC coverage
Get business loans up to $250K
Issue debit cards with spending limits
9.3
4.5 out of 5 stars
Excellent
5
9.1
4 out of 5 stars
Very Good
Novo
Unlimited ATM fee refunds worldwide
Trusted by 200,000+ businesses
Apply online in under 10 minutes
Create and send invoices instantly for free
Novo
Unlimited ATM fee refunds worldwide
Trusted by 200,000+ businesses
Apply online in under 10 minutes
Create and send invoices instantly for free
9.1
4 out of 5 stars
Very Good
Compare the top Business Checking Accounts reviewed by our financial experts. Take your business to the next level with our top rated Online Business Banks
647,250+
Customers used pickmybank.com in 2024 to make better & smarter financial decisions
Customers used pickmybank.com in 2024 to make better & smarter financial decisions
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Your funds are fully FDIC/NCUA insured and secured by our top rated industry leading banking platforms
Your funds are fully FDIC/NCUA insured and secured by our top rated industry leading banking platforms
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Our Most Popular Offer
1
9.9
5 out of 5 stars
Exceptional
Found: All-in-one banking platform
Sign up free in minutes - no credit check or minimum balance
Earn 1.5% APY on up to $20,000 with Found Plus
Manage checking, taxes, and accounting in one place
Get real-time expense tracking and invoicing
No overdraft fees, service fees, or minimum balance
Use a built-in tax calculator and savings tools
Found: All-in-one banking platform
Sign up free in minutes - no credit check or minimum balance
Earn 1.5% APY on up to $20,000 with Found Plus
Manage checking, taxes, and accounting in one place
Get real-time expense tracking and invoicing
No overdraft fees, service fees, or minimum balance
Use a built-in tax calculator and savings tools
9.9
5 out of 5 stars
Exceptional
What is a Business Checking Account?
A business checking account is a dedicated banking solution designed for companies to manage their finances efficiently. It helps separate personal and business transactions, making bookkeeping and tax filing easier. Most accounts offer online banking, mobile check deposits, and integration with accounting tools, ensuring smooth financial operations for your business.
Simple & Secure Business Banking
Opening a business checking account with our expert-recommended providers is quick and hassle-free. Enjoy a streamlined application process, secure online access, and essential features like no monthly fees, unlimited transactions, and seamless payment processing to keep your business running smoothly.
Don’t Miss Out on the Best Deals
Now is the perfect time to open a business checking account and take advantage of exclusive offers. Many top banks are waiving fees, offering cash bonuses, and providing enhanced digital tools to help businesses grow. Lock in the best terms today and start managing your business finances with confidence!
Start Your Business Banking Today
1
9.9
5 out of 5 stars
Exceptional
Found
Sign up free in minutes - no credit check or minimum balance.
Earn 1.5% APY on up to $20,000 with Found Plus.
Manage checking, taxes, and accounting in one place.
Get real-time expense tracking and invoicing.
No overdraft fees, service fees, or minimum balance.
Use a built-in tax calculator and savings tools.
Found
Sign up free in minutes - no credit check or minimum balance.
Earn 1.5% APY on up to $20,000 with Found Plus.
Manage checking, taxes, and accounting in one place.
Get real-time expense tracking and invoicing.
No overdraft fees, service fees, or minimum balance.
Use a built-in tax calculator and savings tools.
9.9
5 out of 5 stars
Exceptional
Easy to manage. Easy to grow.
Sharing knowledge from our experts is what we believe make our customers trust us
- Business checking accounts provide a cost-effective way to manage your finances without hidden fees. Many top accounts offer no monthly maintenance fees, ensuring you keep more of your profits while enjoying essential banking features tailored to business needs.
- Business checking accounts are FDIC-insured up to $250,000, providing peace of mind that your company’s money is safe. With secure online banking and fraud protection, you can confidently manage your finances without worry.
- Keeping business and personal finances separate is essential for tax purposes and financial clarity. A business checking account simplifies expense tracking, streamlines bookkeeping, and helps build a financial history for future credit or loan opportunities.
- Unlike investment accounts, business checking accounts offer stable and predictable banking services. You won’t have to worry about fluctuating interest rates or market downturns—just a secure place to manage daily transactions.
- Unlike traditional business accounts with withdrawal restrictions, top business checking accounts offer unlimited transactions and fast transfers. Whether paying vendors, managing payroll, or making deposits, you’ll have quick access to your funds at all times.
- Business checking accounts are designed for efficiency, with easy-to-understand terms, mobile banking tools, and integration with accounting software. This simplicity allows you to focus on growing your business while keeping financial management stress-free.
5 out of 5 stars
5 out of 5 stars
"I never realized how many great business checking options were out there. Thanks to this site, I got an account with no fees and easy integration with my accounting software!"
Laura Mitchell
Austin, Texas
5 Things to Consider When Choosing a Business Checking Account
Opening a business checking account is a key step in managing your company’s finances effectively. Our experts help you compare the best options so you can find the right fit for your business needs.
Unlock Your Financial Potential
- Monthly Fees & Transaction Limits: Some banks charge monthly maintenance fees or limit the number of transactions you can make. Look for an account with no monthly fees and unlimited transactions to avoid unnecessary costs.
- Minimum Balance Requirements: Some business checking accounts require a minimum balance to avoid fees. Make sure to choose an account that fits your cash flow needs without restrictive balance requirements.
- ATM & Cash Deposit Access: If your business handles cash, check how easy it is to deposit funds. Some online banks have limited ATM deposit options, while traditional banks may offer free cash deposits up to a certain amount.
- Online & Mobile Banking Features: Business owners need flexibility. Look for an account with a user-friendly online dashboard, mobile check deposits, and integration with accounting software like QuickBooks or Xero.
- Customer Support & Business Perks: Reliable customer service is essential for businesses. Check for 24/7 support, dedicated business advisors, and additional perks like rewards, cash back, or free wire transfers.
- Wire Transfers & Payment Processing: If your business sends frequent wire transfers or processes payments through platforms like Stripe or PayPal, ensure your checking account offers low-cost or free transfers and seamless integrations..
- Interest & Rewards Programs: Some business checking accounts offer interest on balances or cash-back rewards for debit card purchases. These features can help your money work for you while managing day-to-day transactions.
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Pickyourbank.com may earn a commission when a user completes an action using our links, which will however not affect the review but might affect the rankings. The latter is determined on the basis of product market fit and compensation received. The information contained in pickyourbank.com should not be conceived as legal, financial or investment advice nor as an endorsement of any of the products or services referenced in pickyourbank.com. As disclosed in the Terms and Conditions all information on pickyourbank.com is subject to change. pickyourbank.com does not contain an exhaustive list of all lending or insurance partners in each category.
Pickyourbank.com may earn a commission when a user completes an action using our links, which will however not affect the review but might affect the rankings. The latter is determined on the basis of product market fit and compensation received. The information contained in pickyourbank.com should not be conceived as legal, financial or investment advice nor as an endorsement of any of the products or services referenced in pickyourbank.com. As disclosed in the Terms and Conditions all information on pickyourbank.com is subject to change. pickyourbank.com does not contain an exhaustive list of all lending or insurance partners in each category.