Business checking accounts make it easy for small, mid-sized, and large businesses to do their banking and get their projects up and running. We focused on accounts with no fees (or ways to waive them), minimal requirements, and reliable digital platforms.
Read on to learn more about the best business checking accounts from online banking startups, banks with physical branches, and online-only banks.
Our Top Picks for Best Business Checking Accounts
- NBKC Bank – Best for Small Business
- BlueVine – Best for High Yields
- Novo – Best for E-Commerce
- Axos Bank – Best for Variety
- Chase Bank – Best Option from Large Bank
Best Business Checking Account Reviews
NBKC Bank – Best Online Account for Small Business
Pros | Cons |
$0 service or transaction fees | Physical branches located only in Kansas City, Missouri |
$0 fees on mobile deposits or bill pay | Incoming domestic wires are free, and outgoing domestic wires cost $5 |
Free incoming domestic wire transfers | Outgoing and incoming international wires cost $45 |
Cash deposits and withdrawals at MoneyPass ATMs | |
Includes a business credit card |
NBKC’s Free Business Checking Account is our top business checking account for small business owners that want the benefits of fully digital banking but still prefer to sign up with a traditional bank. Through its online banking products, NBKC offers fee-free accounts nationwide, despite its limited physical presence.
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The Free Business Checking Account features no fees per-item or transaction, no minimum balance, no opening deposit requirements, and no overdraft fees.
Remote banking includes full mobile accessibility, where business owners can deposit checks for free, pay vendors and bills, and make wire transfers directly from the app. For even easier transfers, third-party services such as Venmo, PayPal, CashApp, GooglePay, or ApplePay can also be linked to your account.
Using NBKC’s credit/debit Business MasterCard, customers can also make free cash deposits or withdrawals within MoneyPass’s broad ATM network. If you ever go out of network, fees (even foreign ones) will be reimbursed, up to $12 per month.
As your business grows, NBKC offers investment options in the form of money market accounts and other elective add-ons to further give your company a leg up. These perks include check scanning equipment for desktop deposits and merchant processing services.
Monthly service fee | $0 |
Minimum opening deposit | $0 |
Minimum monthly balance | $0 |
ATM network | Free access to 32,000 + MoneyPass ATM’s |
APY | None |
BlueVine– Best for High Yields
Pros | Cons |
$0 non-sufficient funds fee | No physical branches |
$0 overdraft fees | No reimbursement for fees paid at out-of-network ATMs |
Automatic vendor payments | $15 for domestic wire transfers |
Mobile check deposits | $4.95 cash deposit fee |
Free checkbooks | |
Unlimited transactions |
BlueVine’s Business Checking account pays 1.0% APY on customer deposits — one of the highest in the industry — without a monthly or daily account balance requirement. The account includes unlimited transactions, and there are no monthly fees, minimum balance fees, or non-sufficient fund fees.
BlueVine features the BlueVine Payments Platform, where account holders can pay bills and make vendor payments for free.
While BlueVine doesn’t operate branches or its own ATM network, customers can withdraw cash and make deposits with their Business Debit Mastercard at any MoneyPass ATM.
Monthly service fee | $0 |
Minimum opening deposit | $0 |
Minimum monthly balance | $0 |
ATM network | Free access to 32,000 + MoneyPass ATM’s |
APY | 1.0% on balance up to $100,000 |
Novo– Best for E-commerce
Pros | Cons |
Refund on all domestic and international ATM fees | No physical branches |
Free ACH transfers | No cash deposits |
Cash withdrawals with Novo debit card | No wire transfers |
Free… |