Best Business Bank Accounts to Open Online of November 2025

Bluevine Business Checking

Overall online business checking account

1.30%

$500

at Bluevine, Deposits are FDIC Insured

Pros

No monthly fees or minimum opening deposit.
Unlimited fee-free transactions; no overdraft fees.
Earn 1.30% interest on account balances up to and including $250,000. Terms apply.
Access up to $3 million in FDIC insurance with Insured Cash Sweep.
No fees at MoneyPass ATMs.
Account holders are assigned to a dedicated banker or customer support representative.
Bill pay tools and invoicing with built-in payment links.

Cons

No fee-free cash deposits.
Fee for using out-of-network ATMs.
Does not offer jointly-owned accounts.

American Express® Business Checking

Customer support

1.30%

$30,000

at American Express National Bank, Member FDIC

Pros

No monthly fees or minimum opening deposit.
No excess transaction fees and no charge for domestic incoming wires.
Earn 1.30% APY on balances up to $500,000.
24/7 customer support.
No fees on withdrawals at more than 70,000 MoneyPass and Allpoint ATMs in the U.S.

Cons

Can’t deposit cash.
No outgoing international wire transfers.
Does not offer jointly owned accounts.

Relay Business Checking

Running multiple businesses

N/A

at Relay, Deposits are FDIC Insured

Pros

No required monthly fee or minimum balance requirement.
Unlimited fee-free transactions; no overdraft fees.
No foreign transaction fees when you use your Relay Visa® Debit abroad.
Free incoming wires and low outgoing wire transfer fees.
Up to 50 debit cards.
Direct integration with Shopify.

Cons

Deposited checks may be held for up to 6-7 business days.
No bill pay feature in the free plan.

Chase Business Complete Banking®

Online account from a brick-and-mortar bank

$15.00

Waived with $2,000 minimum balance

N/A

$500

Pros

No minimum opening deposit.
Unlimited fee-free electronic and debit card transactions.
Integrated credit card processing.
No overdraft fee unless account is overdrawn by more than $50; 24-hour grace period applies to overdrafts beyond that amount.
No fees at 15,400 Chase ATMs and access to around 4,900 branches.

Cons

$15 monthly fee.
Monthly limit on fee-free cash deposits ($5,000) and physical transactions (20).
Fee for using out-of-network ATMs.

Grasshopper Innovator Business Checking Account

Earning interest and cash back

1.35%

at Grasshopper Bank, Member FDIC

Pros

Unlimited 1% cash back on qualified debit card purchases.
Earn up to 1.35% APY.
No monthly fees, transaction fees or overdraft charges.
Free, built-in bookkeeping and invoicing software.
Free incoming domestic wires; low fees on other wire transfers.

Cons

Can’t deposit cash.
$100 minimum opening deposit.
No weekend support.

Mercury Business Bank Account

High-growth startups

N/A

$300

at Mercury, Deposits are FDIC Insured

Pros

No monthly fees or minimum opening deposit.
Unlimited fee-free U.S. dollar transactions; no overdraft fees.
Free domestic and international U.S. dollar wire transfers.
Advanced digital tools including API access to automate and customize your banking.
Unlimited refunds on all domestic ATM fees.

Cons

Can’t deposit cash.
Mercury is not part of a fee-free ATM network.

nbkc Business Account

Simple, low-fee online banking

N/A

$250

at nbkc bank, Member FDIC

Pros

No monthly fees or minimum opening deposit.
Unlimited fee-free transactions, no overdraft fees and free incoming domestic wires.
Up to $12 in monthly refunds for ATM fees charged by other banks worldwide.
Unlimited cash deposits via MoneyPass and Allpoint ATMs.
Accept contactless payments via the NBKC app (iOS only). Fees apply.
Unlimited debit cards.

Cons

High fee ($45) for international wire transfers.
Phone support only available during business hours.
No third-party app integrations.

Found Small Business Banking

Self-employed workers

2.00%

$125

at Found, Deposits are FDIC Insured

Pros

No required monthly fee or minimum opening deposit.
No excess transaction fees or overdraft fees; free incoming domestic wires.
Free, built-in invoicing, bookkeeping and tax-planning features.
Integrates with popular business and gig work apps, including Stripe, DoorDash, Uber, Etsy and PayPal.
Account holders are assigned to a dedicated banker or customer support representative.
Built-in payroll features for contractors.

Cons

No weekend or after-hours phone support.
Not available to partnerships or nonprofit organizations.
No fee-free cash deposits.

North One Standard Business Checking

High-yield business checking account

2.50%

at North One, Deposits are FDIC Insured

Pros

No monthly fees or excess transaction fees.
Same-day deposits from Amazon, Cash App, Square, Stripe and Venmo. Direct payments supported from a variety of other business platforms, including Etsy, Lyft, Shopify and Airbnb.
Sub-accounts that you can use to save for specific goals.
Direct integration with Shopify, Etsy and Amazon.
Account holders are assigned to a dedicated banker or customer support representative.

Cons

Low cash deposit limits ($1,500 per day, $5,000 per month). Service fee of up to $4.95 per deposit.
Can’t send or receive international wires.
No weekend customer support.
Not available to nonprofit organizations.
No spend controls on employee debit cards.