Article
10 Best Business Checking Accounts in 2025
Find the best business checking accounts of 2025 with low fees, high transaction limits, and integrated tools. Compare top banks and credit unions for small business banking.
A business checking account keeps your company finances separate from personal funds while providing tools for payments, payroll, and cash management. The right account can save money on fees while offering features that streamline operations.
Our team analyzed over 30 business checking accounts, comparing fees, features, and customer experiences. Here are the 10 best business checking accounts for 2025.
Quick Comparison
| Bank | Best For | Monthly Fee | Rating |
|---|---|---|---|
| 1. Bluevine Business Checking | Best Overall | $0 | ★4.9/5 |
| 2. Novo Business Checking | Best for Startups | $0 | ★4.8/5 |
| 3. Chase Business Complete Banking | Best for Cash Deposits | $15 (waivable) | ★4.7/5 |
| 4. Mercury Business Banking | Best for Tech Startups | $0 | ★4.8/5 |
| 5. Bank of America Business Advantage | Best for Larger Businesses | $16 (waivable) | ★4.6/5 |
| 6. Axos Bank Business Checking | Best for High Balances | $0 | ★4.6/5 |
| 7. US Bank Business Checking | Best Regional Bank | $10 (waivable) | ★4.5/5 |
| 8. Relay Financial | Best for Multiple Accounts | $0 | ★4.5/5 |
| 9. NBKC Business Checking | Best for Simplicity | $0 | ★4.4/5 |
| 10. Lili Business Banking | Best for Freelancers | $0 (Basic) | ★4.4/5 |
Our Top Picks in Detail
Bluevine Business Checking
Bluevine offers the best interest rate on business checking at 2.0% APY with no fees or minimums. Perfect for businesses that don't need cash deposit capabilities.
Pros
- ✓2.0% APY on balances up to $250,000
- ✓No monthly fees ever
- ✓Unlimited transactions
- ✓ATM fee reimbursements
- ✓Integrates with accounting software
Cons
- ✗Online-only (no branches)
- ✗No cash deposits
- ✗Limited loan products
Novo Business Checking
Novo is built specifically for startups and freelancers, with deep integrations into business tools like Stripe, Shopify, and QuickBooks—all with zero fees.
Pros
- ✓Designed for startups
- ✓Integrates with 5,000+ apps
- ✓Free invoicing tools
- ✓No fees or minimums
- ✓Modern mobile app
Cons
- ✗No interest earned
- ✗Limited ATM network
- ✗No physical branches
Chase Business Complete Banking
Chase offers the best branch network for businesses that handle cash. The $15 monthly fee is easily waived with a $2,000 balance, and cash deposit capabilities are unmatched.
Pros
- ✓Huge ATM and branch network
- ✓Free cash deposits (up to limits)
- ✓Strong fraud protection
- ✓Credit card integration
- ✓Business credit building
Cons
- ✗Monthly fee without minimum
- ✗Transaction limits
- ✗No interest earned
Mercury Business Banking
Mercury is the go-to bank for tech startups, offering sophisticated treasury options, team management features, and API access for financial automation.
Pros
- ✓Venture-friendly banking
- ✓Treasury accounts up to 4% APY
- ✓Team access controls
- ✓API access for automation
- ✓Virtual cards for expenses
Cons
- ✗Better for funded startups
- ✗No physical branches
- ✗Limited cash handling
Bank of America Business Advantage
Bank of America serves larger businesses well with higher transaction limits, comprehensive cash management, and relationship pricing for multiple accounts.
Pros
- ✓Extensive branch network
- ✓Higher transaction limits
- ✓Relationship discounts
- ✓Full merchant services
- ✓Cash management tools
Cons
- ✗Higher balance to waive fee
- ✗Complex fee structure
- ✗No interest on checking
Axos Bank Business Checking
Axos offers interest-bearing business checking with no fees, unlimited ATM rebates, and high deposit limits—great for businesses with significant cash reserves.
Pros
- ✓Interest on all balances
- ✓Unlimited ATM rebates
- ✓No minimum balance
- ✓High deposit limits
- ✓Remote check deposit
Cons
- ✗Online-only bank
- ✗Smaller company
- ✗Limited integrations
US Bank Business Checking
US Bank provides solid regional coverage with personal banker relationships and competitive loan products for growing businesses.
Pros
- ✓Strong regional presence
- ✓Competitive small business loans
- ✓Merchant services available
- ✓Treasury management
- ✓Personal banker access
Cons
- ✗Regional availability
- ✗Transaction limits
- ✗Standard fee structure
Relay Financial
Relay lets you create up to 20 separate checking accounts for free—perfect for businesses using Profit First methodology or needing organized fund separation.
Pros
- ✓Up to 20 free checking accounts
- ✓Profit First compatible
- ✓Automatic savings rules
- ✓Team access controls
- ✓Clear financial organization
Cons
- ✗Limited ATM rebates
- ✗Newer platform
- ✗No physical branches
NBKC Business Checking
NBKC offers straightforward, no-frills business checking with zero fees and unlimited transactions—perfect for businesses wanting simplicity.
Pros
- ✓Truly no fees
- ✓Unlimited transactions
- ✓Simple account structure
- ✓Free debit card
- ✓Mobile deposit
Cons
- ✗No interest earned
- ✗Limited branch access
- ✗Basic features only
Lili Business Banking
Lili helps freelancers and solopreneurs with built-in tax savings buckets, expense tracking, and invoicing—all designed for the self-employed.
Pros
- ✓Built for freelancers
- ✓Tax bucket feature
- ✓Expense categorization
- ✓Invoice creation
- ✓No fees on basic
Cons
- ✗Premium features cost extra
- ✗Limited for larger businesses
- ✗No interest earned
How We Evaluate Business Checking
Our evaluation process considers:
Fees and Costs
- Monthly maintenance fees
- Transaction limits and charges
- ATM access and fees
- Wire transfer costs
Features and Tools
- Mobile banking capabilities
- Accounting integrations
- Cash deposit options
- Team access controls
Interest and Benefits
- APY on balances
- Relationship rewards
- Bonus offers
- Credit card integration
Frequently Asked Questions
Do I need a separate business checking account?
Yes. Separating business and personal finances is essential for legal protection, tax simplicity, and professional credibility. It’s often required for LLCs and corporations.
Can I open a business account online?
Many banks now offer fully online account opening. You’ll typically need your EIN (or SSN for sole proprietors), business formation documents, and government ID.
What’s the best bank for a new business?
For most startups, Novo or Bluevine offer the best combination of no fees, modern features, and integration with business tools. Choose Chase or Bank of America if you need cash deposits.
How much should I keep in business checking?
Maintain enough for 1-3 months of operating expenses plus a buffer. Move excess funds to interest-bearing savings or money market accounts to earn returns.
Are online banks safe for business checking?
Yes. Online banks are FDIC-insured just like traditional banks. Bluevine, Mercury, and others partner with established banks for insurance coverage.
What documents do I need to open a business account?
Typically you’ll need: business formation documents (articles of incorporation, LLC operating agreement), EIN confirmation, government-issued ID, and sometimes a business license.