The Best Business Checking Accounts

Square Banking is a business checking option for Square sellers that want fast access to sales funds.

Square Checking gives eligible sellers instant access to Square sales, with no monthly fees, no minimum opening deposit, no minimum balance requirement, and no ATM fees. It also connects directly with Square’s broader payment, POS, savings, and business tools.

Banking services are provided by Square’s banking affiliate, Square Financial Services, Inc. or Sutton Bank.

Grasshopper is a strong overall business checking account for businesses that want earning potential without monthly fees.

Grasshopper offers APY on checking balances, cash back, unlimited transactions, no monthly fees, no overdraft fees, no ACH fees, automated savings tools, and invoicing features. Some transaction fees may apply, so businesses that frequently send wires or make international transactions should compare costs carefully.

Rho is a business banking platform for startups that want checking, savings, bill pay, and corporate card tools in one place.

Rho offers no monthly fees, no minimum balance requirements, no ACH fees, no overdraft fees, and no wire transfer fees. Startups also get partner perks, bill pay, a dedicated relationship manager, savings APY, and access to the Rho Corporate Card for cash back.

Rho is a fintech company, not a bank. Checking and card services provided by Webster Bank, N.A., member FDIC; savings account services provided by American Deposit Management Co. and its partner banks.

Mercury is a business banking platform for startups and tech-forward companies that want low-fee checking with modern spend management tools.

Mercury offers no monthly fees, no minimum balance requirements, ACH transfers, virtual cards, corporate cards, spend controls, accounting integrations, automated workflows, and treasury products for eligible businesses. It’s best for companies that want a clean online banking platform without traditional banking complexity.

Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.

Bluevine is a business checking account for businesses that want to earn APY without opening a separate savings account.

Bluevine offers interest-earning checking plans, unlimited transactions, no overdraft fees, no ACH fees, and higher APY options depending on the plan selected. Businesses can also try Bluevine’s paid Plus and Premier plans before committing.

Bluevine is a financial technology company, not a bank. Bluevine deposits are FDIC-insured through Coastal Community Bank, Member FDIC, and partner banks.

North One is a business checking account for businesses that want digital banking with strong software integrations.

North One connects with tools such as QuickBooks, ADP, Amazon Pay, PayPal, Shopify, and more. Businesses can also access APY on checking, debit card cash back, savings envelopes, loans, lines of credit, and free checking with no minimum balance requirements.

North One is a financial technology company, not a bank. Banking services for the deposit account provided by The Bancorp Bank, N.A., Member FDIC.

Bank of America is a business checking option for businesses that want branch access and a full-service banking relationship.

Businesses can access checking, lending, merchant services, cash management tools, in-person banking, and support for cash deposits. Fees and transaction limits are more traditional than many online accounts, but many fees may be waived with qualifying balances or account activity.

Found is a business checking option built for freelancers, solopreneurs, and self-employed business owners.

Found includes freelancer-friendly tools such as tax estimates, tax savings, invoicing, expense tracking, and no credit check to apply. The free plan has few fees, while paid plans add more advanced bookkeeping, tax, and business management features.

Found is a financial technology company, not a bank. Banking services are provided by Lead Bank, Member FDIC.

Lili is a business checking option for businesses that want banking and basic bookkeeping tools in one platform.

Lili offers built-in bookkeeping features such as expense tracking, tax support, invoicing, bill pay, financial reports, and accounting tools. A free account is available, but the strongest bookkeeping and accounting features require a paid plan.

Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC.