And since each business has unique needs, it pays to take your time and compare different accounts before deciding on one. Where other platforms focus on either banking or expense management, Brex combines treasury management, corporate cards, and spend controls in one place. This integration proves particularly valuable for venture-backed companies managing rapid growth and increasing financial complexity. The platform supports transactions across 40+ currencies through both physical and virtual corporate cards for global-minded organizations. Rho is not designed for fast-growing startups or enterprise companies that need a more robust startup banking solution.

Best Business Checking Accounts of 2025

With all that, it’s easy to see why Bluevine has the best business checking account for most business owners. That’s partially because Bluevine has interest-bearing checking, letting you earn up to 2.0% interest on balances of up to $250,000. That’s the best rate we’ve found for business interest checking (although you do have to qualify by using your Bluevine debit card or receiving payments in your account). With pretty much any checking account, you’ll get a free debit card. International business operations need robust global payment features. Seek platforms offering multi-currency accounts, competitive foreign exchange rates, and the ability to send/receive payments worldwide.

Business credit scores adatext

• You need to submit an application by September 30, 2025 to qualify.
• Visit our business banking comparison chart to see all the flexible and convenient account options U.S.
• Whether you’re a sole proprietor or the owner of a business with employees, it’s critical to separate your business and personal finances.
• Found also calculates your estimated tax bill in real time and allows you to set up automatic savings so you can pay your taxes right from the app.
• Novo offers simple business banking through their free checking account with debit card access, no hidden fees and zero minimum balance requirements.
• First Tech also offers the best credit union business accounts, with a business checking product featuring low or waivable fees and savings products with competitive yields.

Found also calculates your estimated tax bill in real time and allows you to set up automatic savings so you can pay your taxes right from the app. Interest for this account is compounded and credited monthly on the last day of each month. The Do More Business Checking account has no minimum deposit, balance or monthly maintenance fee.

The best business checking accounts of February 2025

Plus, most banks give you a certain number of free transactions and cash deposits per month. Whether you prefer online or in-person banking, run a cash-based or credit card–based business, or have lots of money on hand or just a little, one of our favorite banks should meet your business needs. Lili has a free checking account, or you can upgrade to get savings (and access to all Lili’s cool tools) and get a fabulous 1.5% APY on your account balance.

Do you need an EIN to open a business bank account?

Traditional businesses that need branch services and extensive ATM networks typically choose Chase for their banking. The bank fits companies looking for a full range of financial services — from basic checking to loans and credit cards — in one institution. Relay works most effectively for small businesses managing separate budgets or projects that require distinct bank accounts.

• While you won’t be able to make any cash deposits, you can use Novo’s mobile app to deposit checks and money orders.
• Compare savings accounts to help you find the right business savings account for you.
• Seamlessly and cost-effectively manage your cash flow, deposits, incoming wires, and payroll.
• Mercury’s 1% exchange fee and limited multi-currency support can also lead to unnecessary global costs.
• This integration proves particularly valuable for venture-backed companies managing rapid growth and increasing financial complexity.
• Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.
• However, credit unions like Affinity Plus FCU, Credit Union 1, and Bethpage Federal Credit Union allow membership through a one-time donation, reducing these barriers.

However, credit unions like Affinity Plus FCU, Credit Union 1, and Bethpage Federal Credit Union allow membership through a one-time donation, reducing these barriers. Many small-business owners love business checking account credit unions and find great deals there. But with 4,942 credit unions in the United States, there’s no way we can compare them all.

Bankrate’s editorial team receives no direct compensation from advertisers and our content is thoroughly fact-checked to ensure accuracy. At Bankrate we strive to help you make smarter financial decisions. Though our partners compensate us from links on this page, we maintain editorial integrity, and partners don’t influence our product evaluations.

Compare business checking accounts

Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn’t influence our assessment of those products.

Though interest rates are low, they are expected to rise in the coming year as the Federal Reserve raises rates. The idea that your business checking account needs to be held at a local bank is fast becoming outdated. Some businesses may need a bank with a bricks and mortar location, but many do not. A checking account with a robust mobile app will fit many business owner’s needs, and will be available 24/7.